'Following form' avoids coverage gaps
Often the company underwriting an organization's umbrella liability insurance is different from the insurer providing primary liability protection in the form of general, automobile, directors' and officers', or employer's liability.
For seamless protection, it's important that primary and excess policy terms and conditions match. When you purchase umbrella liability coverage, we recommend that you look for following form language, which ensures that the terms and conditions of the policy will mirror exactly those of all underlying policies.