Follow Form

The term Follow Form is derived from the concept of an insurance policy “following form.” Under this concept, an insurance policy is designed to mirror the language of another policy. This type of coverage is often used to supplement a primary policy with additional coverage for a specific risk that may not be covered by the primary policy.

Under Follow Form coverage, the insurer agrees to cover losses that are not covered by the underlying policy. The coverage is typically limited to only those losses that are specifically listed in the follow form policy. This type of coverage is typically used to provide additional protection to certain classes of business, such as construction or manufacturing.

In summary, Follow Form is a type of insurance coverage that is designed to supplement a primary policy. It is a type of coverage that is provided on an excess basis, meaning that it provides coverage on losses that are not covered by other policies. This type of coverage is typically limited to only those losses that are specifically listed in the follow form policy.