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Includes copyrighted material of Insurance Services Office, Inc., with its permission.

ISO Coverage Form

Summary: Insurance Services Office (ISO) developed a personal umbrella form in 1998. It was updated in 2006, and again in 2015. The personal umbrella policy DL 98 01 02 15 may be used as a stand-alone form, or in combination with homeowners and auto forms to cover most insureds’ needs. It is a true umbrella in that it provides excess limits following underlying coverage forms, and also provides coverage for situations excluded or not addressed by underlying forms. Following is a discussion of the 2015 updates to form, and a listing of endorsements that can be used to modify coverage.

Topics covered: Definitions



Maintenance of underlying insurance

Duties after loss

General provisions


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