In excess liability, what is the primary function of the follow form?

The primary function of a follow form in excess liability insurance is to align seamlessly with the underlying base policy. This means that the follow form essentially "follows" the terms and conditions of the base policy, incorporating its provisions while providing additional coverage limits.

By adhering to the language and stipulations of the base policy, the follow form maintains consistency in coverage, ensuring that any claims that may arise are evaluated under the same framework as those managed by the primary policy. This is vital for the policyholder because it simplifies the claims process and mitigates potential conflicts that might arise from differing terms between the base policy and the excess coverage.

While it is true that excess liability insurance aims to provide increased coverage limits beyond what the base policy offers, the defining feature of a follow form is that it stays aligned with the existing base policy rather than creating its own unique terms or conditions. This clarity helps adjusters and policyholders alike understand how various coverages interact in the event of a claim, reinforcing the follow form's primary role.