Does my umbrella cover additional insureds on tower projects?

If your umbrella is follow-form over your GL, and your GL includes blanket additional insured coverage, then the umbrella extends to additional insureds on the same basis. This means the tower owner and turf vendor named as additional insured on your GL also receive the benefit of your umbrella limits. This is the standard expectation under MSA requirements when they state minimum total limits of $5M or $10M. They expect your umbrella to stack on top of the primary GL for their benefit as additional insured. However, some umbrella policies contain a scheduled additional insured provision rather than blanket, or require separate notification to the umbrella carrier when an additional insured is added. Review your umbrella carefully: if it requires scheduling of additional insureds, you must notify the carrier for each new MSA relationship. If your umbrella is not follow-form and uses its own coverage form, check whether it independently provides additional insured coverage or only extends its own named insured coverage. MSA compliance requires that the additional insured receive the full tower of limits, not just the primary layer.