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FREESE v. BITUMINOUS CAS. CORP.6/19/1996
derlying State Farm policy. The endorsement thus adds nothing to the coverage of the Bituminous umbrella but rather detracts from that coverage. The primary insuring agreement of the umbrella clearly limits its coverages to payment of the "ultimate net loss" in excess of the limits of the underlying policy. Ultimate net loss is defined exclusively in terms of amounts of damages for which the insured is legally liable. The umbrella clearly provides no coverages other than liability coverages
We have considered all issues presented and conclude that the judgment of the district court should be affirmed
AFFIRMED.
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