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

Although many insurers stress that their policies are followform, often they are not. Language in these policies may includeadditional terms and exclusions, and some policies expresslyexclude coverage for specific risks even if they are covered byunderlying policies.

Such discrepancies could cause excess casualty insurers to denyclaims, leaving insureds responsible for covering sizable lossesthat they thought were insured.

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