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What is the typical TERRITORIAL scope of an ISO-form personal umbrella policy for bodily injury and property damage liability?
ALimited to the United States, its territories and possessions, Puerto Rico, and Canada for both occurrence and venue
Worldwide for both the occurrence and the venue, with no exclusion for claims or suits brought outside the U.S.
CRestricted to occurrences taking place within the policyholder's state of legal residence and domicile
DWorldwide for the offense, but suit for damages must be brought in the U.S., its territories, or Canada
Why this is the answer
The ISO Personal Umbrella Liability Policy (DL 98 01) applies to occurrences or offenses that take place anywhere in the world during the policy period, and it does not limit where the suit may be brought: if a foreign country's law prevents the insurer from defending, it pays the defense expenses the insured incurs with its consent. That is broader than the underlying PAP, whose territory is the United States, its territories or possessions, Puerto Rico and Canada. Some insurers' own umbrella forms add a requirement that suit be brought in the U.S. or Canada, but that is not the ISO wording.
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