Question

Which statement BEST describes the Follow Form in excess liability coverage?

A. It provides coverage for a specific type of natural disaster.
B. It allows coverage to be extended to other insured items without requiring a separate limit.
C. It only covers losses that occur during business hours.
D. It exclusively applies to personal liability and not commercial liability.

Answer 1

The Follow Form in excess liability coverage allows coverage to be extended to other insured items without requiring a separate limit.

Step-by-step explanation:

The Follow Form in excess liability coverage allows coverage to be extended to other insured items without requiring a separate limit. This means that the coverage can apply to multiple items or properties under a single policy, rather than having separate policies for each item. For example, if a business has multiple locations or properties, the excess liability coverage can be extended to cover all of them without a separate limit for each location.his type of excess liability coverage is not specific to any type of event, such as a natural disaster, nor is it limited to losses during business hours or to personal liability exclusively.

The best description of Follow Form in excess liability coverage is that it allows coverage to be extended to other insured items without requiring a separate limit, essentially following the underlying primary insurance policy terms, conditions, and exclusions, but with additional limits.