To better address rising claims costs, insurance buyers should consider enhanced policy forms now available that aim to eliminate gaps and conflicting terms and conditions in excess casualty insurance coverage. (Photo: iStock)

In an excess casualty program, where several layers of coverage build upon each other, a follow form policy should mirror the terms and conditions of the policy beneath it.

Although many insurers stress that their policies are follow form, often they are not. Language in these policies may include additional terms and exclusions, and some policies expressly exclude coverage for specific risks even if they are covered by underlying policies.

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