ISO BUSINESS AUTO COVERAGE FORM AVAILABLE ENDORSEMENTS AND THEIR USES

(October 2019)

INTRODUCTION

This list identifies endorsements available to modify the Insurance Services Office (ISO) Commercial Auto Coverage Form. It is arranged by form number and title; the list includes a brief explanation of the use for each form. This section does not include any state specific endorsements, changes or amendments or endorsements that apply only to garage coverages. Endorsements introduced or changed with the 10 13 edition or later are in bold print.

Note: In the absence of any other bold print wording in the endorsement descriptions, reference to (10 13 change) indicates the form reflects ISO’s current auto coverage form titles, removal of countersignature space, and/or use of the term “Covered Auto Liability” in place of “Liability.”

FORM NUMBERING

The ten-digit numbering sequence of ISO forms and endorsements has a very specific meaning.

The first two entries are alphabetical characters that indicate the line of insurance involved. For example, CA denotes Commercial Auto.
The next two digits designate the specific insurance category. Additional detail and information on these categories is in the next section below.
The next two digits are the form or endorsement number within the insurance category.
The last four digits are the edition date of the form or endorsement expressed in month and year format. These digits are not used in this analysis.

CA 00	Coverage Forms
CA 01	Amendatory Endorsements
CA 02	Cancellation And Suspension Endorsements
CA 03	Deductible Endorsements
CA 04	Coverage Endorsements
CA 20	Special Type Endorsements
CA 21	Uninsured Motorists Endorsements
CA 22	No-Fault Endorsements
CA 23	Commercial Auto Endorsements
CA 24	Public Transportation Endorsements
CA 25	Auto Dealers Endorsements
CA 26	Single Interest Endorsements
CA 31	Uninsured Motorists Endorsements
CA 99	Common Coverages And Rating Procedures Endorsements
IL 00–12	Interline Endorsements

COVERAGE FORMS (CA 00)

CA 00 01–Business Auto Coverage Form

CA 00 20–Motor Carrier Coverage Form

CA 00 25–Auto Dealers Coverage Form

Note: CA 00 05–Garage Coverage Form and CA 00 10 Business Auto Physical Damage Coverage Form were eliminated with the 10 13 edition.

AMENDATORY ENDORSEMENTS (CA 01)

CA 01 21–Limited Mexico Coverage (10 13 change)

This endorsement opens with a stern warning about driving in Mexico. The coverage provided is excess over any other insurance and applies only if the covered auto is within 25 miles of the United States border and for trips lasting less than 10 days. The covered auto must be garaged and used in the United States and only United States residents can be insureds. Physical damage coverage repairs must be made in the United States except for those needed to make the vehicle drivable. Such Mexican-made repairs are paid based on not more than the same costs that would have been paid in the United States.

CANCELLATION AND SUSPENSION ENDORSEMENTS (CA 02)

CA 02 38–Reinstatement of Insurance (10 13 change)

This endorsement is used to reinstate previously suspended coverages and/or vehicles. A schedule is part of the endorsement. Accurate completion of the schedule is very important because only the scheduled autos are reinstated, and the others remain suspended.

CA 02 40–Suspension of Insurance (10 13 change)

This endorsement is used to suspend the coverages and/or vehicles on the endorsement schedule. Return premiums are provided only if the suspension extends beyond 30 days. Note that only the suspension effective date is indicated. The suspension is lifted by attaching CA 02 38–Reinstatement of Insurance on which a date is provided.

DEDUCTIBLE ENDORSEMENTS (CA 03)

CA 03 01–Deductible Liability Coverage (10 13 change)

CA 03 02–Deductible Liability Coverage (10 13 change)

This endorsement provides liability deductibles that apply per accident. They can apply to all liability or be limited to only property damage. Credits apply for the deductibles selected based on the ISO rating plan. This endorsement is identical to CA 03 01–Deductible Liability Coverage except for one word that does require the insurance company to pay the deductible and be reimbursed by the named insured. Under the CA 03 01, the insurance company may pay the deductible and then be reimbursed.

COVERAGE ENDORSEMENTS (CA 04)

CA 04 42–Exclusion of Federal Employees Using Autos in Government Business (10 13 change)

This endorsement tries to eliminate any attempt to provide coverage for the federal government under private insurance coverage. Under this coverage, the named insured or its employee acting as a federal government employee when an accident occurs is not an insured.

CA 04 44–Waiver of Transfer of Rights of Recovery against Others to Us (Waiver of Subrogation) (10 13 change)

No organization or person on the endorsement schedule can be subrogated against as long as a contract was signed waiving rights of recovery before a loss in which those rights could have been recovered occurred.

CA 04 45–Golf Carts and Low-Speed Vehicles (10 13 change)

Liability for damage by golf carts and similar vehicles has traditionally been insured under Commercial General Liability (CGL) coverage. However, when these vehicles are used off premises and on public roads, they become more like automobiles and may have to be registered in certain states. Doing so eliminates coverage under the CGL. This endorsement allows such vehicles to be scheduled on auto coverage forms.

CA 04 49–Primary and Noncontributory – Other Insurance Condition (11 16 Addition)

When this endorsement is attached, the insurance company agrees to consider the policy to which it is attached to be primary and will not seek contribution from other insurance that is available to an insured who is the named insured on that other insurance. This agreement applies only if the named insured under this policy is contractually bound to that other insured to not seek contribution and for its policy to be primary.

SPECIAL TYPE ENDORSEMENTS (CA 20)

CA 20 01–Lessor–Additional Insured and Loss Payee (10 13 change)

The leased vehicles on the endorsement schedule are treated as owned autos for coverage purposes. Any lessor on the endorsement schedule is an insured for the designated vehicles and receives notice of cancellation if either the named insured or the insurance company cancels coverage. In this latest edition, the countersignature area of the form was eliminated.

CA 20 02–Audio, Visual and Data Electronic Equipment Coverage–Fire, Police and Emergency Vehicles
(10 13 change)

This endorsement deletes the exclusion relating to Audio, Visual and Data Electronic Equipment Physical Damage coverage. It applies only to equipment installed in an auto owned by a police or fire department, a political entity or its agencies, or in emergency vehicles owned by a volunteer fire department, ambulance corps, or volunteer rescue squad. It also eliminates the $1,000 electronic equipment sub-limit under limits of insurance.

CA 20 05–Drive-Away Contractors (10 13 change)

Non-owned autos are considered owned autos when driven between a distribution point and its destination but only for coverages for which a premium appears on the endorsement schedule and only when a registration plate also appearing on the endorsement schedule is attached to the vehicle. The liability premium charge is based on the number of registration plates. The physical damage charge is based on gross receipts.

CA 20 06–Driving Schools–Non-Owned Autos (10 13 change)

This endorsement covers liability and/or auto medical payments for non-owned autos used for new driver instruction. The definition of insured is amended to extend to any driving instructor and student driver participating in a lesson. Coverage is triggered by a premium entry in the appropriate space(s) on the endorsement schedule, based on the number of driving instructors, the number of owned autos used for driving training, and the coverages selected.

CA 20 07–Emergency Services–Volunteer Firefighters and Workers Injuries Limited Exclusion (10 13 change)

This endorsement can be used in place of CA 20 30–Emergency Services–Volunteer Firefighters and Workers Injuries Excluded. It provides fellow volunteer coverage but does not provide full coverage.

CA 20 08–Farm Tractors and Farm Tractors Equipment (10 13 change)

This endorsement is mandatory when farm equipment is insured under the Business Auto Coverage Form. It excludes physical damage to non-self-propelled equipment that must be transported or powered by a covered auto. CA 20 15–Mobile Equipment provides physical damage coverage on this equipment.

Related Article: CA 20 15–Mobile Equipment

CA 20 09–Leasing or Rental Concerns–Contingent Coverage (10 13 change)

This endorsement is available only to concerns that lease autos to others for more than six months. It provides liability and mandatory no-fault coverages as excess over a lessee’s required coverages.

CA 20 10–Leasing Or Rental Concerns–Conversion, Embezzlement or Secretion Coverage (10 13 change)

This endorsement excludes conversion, embezzlement and secretion coverage under Comprehensive and Specified Causes of Loss coverages caused by any renter, lessee or under a bailment lease, purchase agreement, mortgage, conditional sale or similar encumbrance. This endorsement is also used to buy back this coverage.

CA 20 11–Leasing Or Rental Concerns–Exclusion of Certain Leased Autos (10 13 change)

This endorsement excludes liability and no-fault coverage for leased autos if due to an act or omission of the lessee, its employees or agents, or anyone operating the leased auto with its permission. However, covered autos liability coverage for the named insured or its employees' acts or omissions is unaffected.

CA 20 12–Leasing Or Rental Concerns–Rent-It-There/Leave-It-Here Autos (10 13 change)

This endorsement excludes covered autos liability coverage for owners or renters of rent-it-there/leave-it-here vehicles that the named insured does not own.

CA 20 13–Leasing Or Rental Concerns–Schedule Of Limits for Owned Autos (10 13 change)

This endorsement allows the named insured to have one set of liability limits on autos in cases where lessees or renters are required to provide primary coverage and another set on autos where they are not required to do so.

CA 20 14–Leasing Or Rental Concerns–Second Level Coverage (10 13 change)

The limit of insurance on the endorsement schedule replaces the limit of insurance elsewhere in the coverage form or in the rental agreement requiring primary coverage. The first part of the endorsement clearly benefits the named insured and not the lessee or renter. However, the second part of it is less clear as to who benefits. In addition, the endorsement is not clear as to whether the limits are for liability or physical damage coverage.

CA 20 15–Mobile Equipment (10 13 change)

This endorsement insures scheduled mobile equipment for the liability and physical damage coverages on the endorsement schedule.

Related Article: CA-20 15–Mobile Equipment

CA 20 16–Mobile Homes Contents Coverage (10 13 change)

This endorsement insures covered property inside, attached to and outside (within 25 feet) of a mobile home. The coverage provided is limited to certain causes of loss and specifically excludes theft. It excludes business property, sales samples, exhibition property, and certain other property. CA 20 17–Mobile Homes Contents Not Covered should be attached if this endorsement is not used.

CA 20 17–Mobile Homes Contents Not Covered (10 13 change)

This endorsement deletes coverage for all contents in a mobile home not usually found in a truck or private passenger vehicle.

CA 20 18–Professional Services Not Covered (10 13 change)

This endorsement excludes liability resulting from rendering or failing to render professional services. It should be considered when automobiles are used as part of a professional service such as funeral directors, paramedics, and ambulances.

CA 20 19–Repossessed Autos (10 13 change)

This endorsement provides the liability and physical damage coverages on the endorsement schedule on autos the named insured repossesses. Coverage begins when repossession ensues and continues while the vehicle is at the location(s) on the endorsement schedule and while pending delivery.

CA 20 21–Snowmobiles (10 13 change)

This endorsement is used for providing covered autos liability coverage for commercially operated snowmobiles used off public roads but away from the named insured’s premises. Symbol 19 may be used instead of this endorsement in states where snowmobiles must be registered.

Note: CA 99 28–Stated Amount Insurance should be used to provide physical damage coverage.

CA 20 27–Registration Plates Not Issued for a Specific Auto (10 13 change)

This endorsement provides the covered autos liability coverages selected for which a premium is charged for autos while using the plates on the endorsement schedule. The premium charge is per plate.

CA 20 30–Emergency Services–Volunteer Firefighters and Workers Injuries Excluded (10 13 change)

This endorsement excludes bodily injury to the insured's volunteer firefighters, fellow volunteer firefighters and other volunteer workers.

Note: CA 20 07–Emergency Services–Fellow Volunteer Firefighters and Workers Injuries Limited Exclusion can be used to provide coverage for fellow volunteers in place of this endorsement.

CA 20 33–Autos Leased, Hired, Rented or Borrowed with Drivers–Physical Damage Coverage (10 13 change)

This endorsement insures the physical damage coverages selected for the non-owned vehicles on the endorsement schedule. A physical damage limit, deductible and the estimated cost of hire and a premium charge based on estimated annual cost must appear for each coverage selected.

CA 20 48–Designated Insured For Covered Autos Liability Coverage (10 13 change)

This endorsement adds the person or organization on the endorsement schedule as an insured for covered autos liability coverage to the extent that it qualifies as such under Who Is an Insured.

CA 20 54–Employee Hired Autos (10 13 change)

This endorsement includes as an insured an employee who rents or hires a vehicle without an operator in his or her own name for the named insured's benefit.

CA 20 55–Fellow Employee Coverage (10 13 change)

This endorsement deletes the fellow employee exclusion. As a result, coverage applies if one employee injures another employee in the course of performing his or her duties. However, the Workers Compensation and Employee Indemnification and Employers Liability exclusions are unaffected.

CA 20 56–Fellow Employee Coverage for Designated Employees/Positions (10 13 change)

This endorsement is similar to CA 20 55–Fellow Employee Coverage but allows specific persons, job title, or positions to appear on the endorsement schedule. As a result, only actions of scheduled persons, job titles, or positions that cause injury to a fellow employee are covered. Actions of all other employees involving injury to a fellow employee remain excluded.

CA 20 70–Coverage For Certain Operations In Connection With Railroads (10 13 change)

This endorsement deletes the two exceptions in the definition of insured contract that relate to construction or demolition operations within 50 feet of a railroad with respect to use of a covered auto in operations for or affecting the railroad and for the job site on the endorsement schedule. It is designed to match a similar extension in the ISO Commercial General Liability Coverage Forms.

CA 20 71–Auto Loan/Lease Gap Coverage (10 13 change)

This endorsement changes the Physical Damage Coverage section. The insurance company pays any unpaid amount due on the lease or loan in case of a total loss to a covered auto on the endorsement schedule to which Auto Loan/Lease Gap coverage applies and for which a premium is charged. This amount is reduced by the amount paid under Physical Damage Coverage and certain other specified charges or amounts.

CA 20 78–Physical Damage Coverage–Autos Held for Sale by Non-Dealers

This endorsement covers physical damage to vehicles held for sale by parties other than dealers. Coverages selected, locations and deductibles must appear on the endorsement schedule along with other information.

UNINSURED MOTORISTS ENDORSEMENTS (CA 21)

Uninsured And/Or Underinsured Motorist Coverage Endorsements analyzes these forms.

Auto Uninsured and Underinsured Coverage Requirements lists uninsured motorists and underinsured motorists coverage requirements by state.

Note: Most Uninsured and Underinsured Motorists Endorsements are mandated by each state and are not listed in this section.

CA 21 02–Split Bodily Injury Uninsured Motorist Coverage Limits

This endorsement revises CA 21 07–Split Uninsured Motorist Coverage Limits to apply to bodily injury only and eliminates all reference to property damage coverage.

CA 21 07–Split Uninsured Motorists Coverage Limits

This endorsement revises the limit of insurance section to provide separate uninsured motorists coverage limits for bodily injury per person, bodily injury per accident and property damage per accident instead of on a combined single limit basis.

CA 21 46–Split Underinsured Motorists Coverage Limits

This endorsement revises the limit of insurance section to provide separate underinsured motorists coverage limits for bodily injury per person, bodily injury per accident and property damage per accident instead of on a combined single limit basis.

CA 21 51–Split Underinsured Motorists Coverage Limits (10 13 addition)

Introduced in the 10 13 edition, this endorsement revises the limit of insurance section to provide separate underinsured motorists coverage limits for bodily injury per person and bodily injury per accident.

COMMERCIAL AUTO ENDORSEMENTS (CA 23)

CA 23 01–Explosives (10 13 change)

This endorsement excludes bodily injury or property damage caused by detonation of explosives the named insured made, sold, or transported.

CA 23 03–Multi-Purpose Equipment (10 13 change)

This endorsement amends covered autos liability coverage to reflect that the vehicles on the endorsement schedule are mobile equipment and not autos. A corresponding endorsement should be added to the Commercial General Liability Coverage Form to avoid coverage gaps when this endorsement is used.

CA 23 04–Rolling Stores (10 13 change)

With respect to autos that are rolling stores, this endorsement excludes bodily injury or property damage resulting from any aspect of any product the insured makes, sells or distributes that occurs after it relinquishes possession of it.

CA 23 05–Wrong Delivery of Liquid Products (10 13 change)

This endorsement excludes bodily injury or property damage that results from delivering one liquid instead of another, delivering any liquid into the wrong receptacle or to the wrong address that occurs after delivery is complete, even if other action is required because of the incorrect delivery.

CA 23 08–Motor Carriers–Excess Coverage for The Named Insured and Named Lessors for Leased Autos (10 13 change)

This endorsement provides excess coverage to the named insured motor carrier for the vehicle it leases from the scheduled lessor. It is valid only when the vehicle is used under operating rights issued by a public authority.

CA 23 09–Motor Carriers–Insurance for Non-Trucking Use (10 13 change)

CA 23 12–Motor Carriers–Named Lessee as Insured

This endorsement includes the lessee on the endorsement schedule as an insured for use of an auto the named insured owns or hires on a primary basis.

CA 23 17–Truckers–Uniform Intermodal Interchange Uniform Endorsement-Form UIIE-1 (10 13 change)

This endorsement covers the liability for third persons or their property the named insured assumes as a subscribing carrier under the Uniform Intermodal Interchange and Facilities Access Agreement and subsequent amendments. A single limit of insurance must appear on the endorsement schedule for both bodily injury and property damage.

CA 23 20–Truckers Endorsement (10 13 change)

Withdrawn with the 10 13 edition. Use CA 23 30–Motor Carrier Endorsement instead.

CA 23 24–Agricultural Produce Trailers–Seasonal (10 13 change)

This endorsement covers trailers with a load capacity exceeding 2,000 pounds that are specifically used to haul agricultural produce. It does not apply to trailers used to transport livestock. A description of the trailers, the specific produce hauled, and the dates of the seasonal period must be on the endorsement schedule.

CA 23 25–Coverage for Injury to Leased Workers (10 13 change)

This endorsement amends the Employee Indemnification and Employer’s Liability exclusions so that the definition of employee does not include leased or temporary workers.

CA 23 30–Motor Carrier Endorsement (10 13 addition)

Introduced in the 10 13 edition, this endorsement modifies the Business Auto Coverage form to also protect the named entity’s trucking and related activities.

Related Article: CA 23 30–Motor Carrier Endorsement

CA 23 44–Public or Livery Passenger Conveyance Exclusion (11 16 addition)

This restrictive endorsement excludes all coverage when the driver of the vehicle is logged into a transportation network.

CA 23 45–Public or Livery Passenger Conveyance and On-Demand Delivery Services Exclusion (11 16 addition)

This restrictive endorsement excludes all coverage when the driver of the vehicle is logged into a transportation network and/or delivery network platform.

CA 23 84–Exclusion of Terrorism

Related Article: Terrorism Coverage Endorsements

CA 23 85–Exclusion of Terrorism Involving Nuclear, Biological or Chemical Terrorism

Related Article: Terrorism Coverage Endorsements

CA 23 94–Silica Or Silica-Related Dust Exclusion for Covered Autos Exposure (10 13 change)

This endorsement excludes bodily injury, property damage, and expenses to respond to or assess silica or silica-related dust issues.

CA 23 97–Amphibious Vehicles (10 13 change)

This endorsement excludes coverage for any vehicle that can be used on both land and water. However, it applies only when the vehicle is on the water, being launched, or while ashore.

CA 23 98–Trailer Interchange Coverage (10 13 change)

This is the same trailer interchange coverage contained in Section III of CA 00 20–Motor Carrier Coverage Form. It is available for use only with CA 00 01–Business Auto Coverage Form.

PUBLIC TRANSPORTATION ENDORSEMENTS (CA 24)

CA 24 01–Transportation of Seasonal or Migrant Agricultural Workers (10 13 change)

This endorsement provides coverage as required by the Migrant and Seasonal Agricultural Worker Protection Act, 29 U.S.C.A. Section 1801 and includes an agreement to notify the Office of Administrator of Wage and Hour Division, Employment Standards Administration of the U.S. Department of Labor 30 days prior to cancellation.

CA 24 02–Public Transportation Autos (10 13 change)

This endorsement is added to policies covering public transportation autos to indicate that the care, custody, or control exclusion does not apply to property of passengers carried in a covered auto.

SINGLE INTEREST ENDORSEMENTS (CA 26)

CA 26 01–Single Interest Automobile Physical Damage Insurance Policy (Individual Policy Form) (11 16 change)

This policy provides physical damage coverage to the seller of a vehicle for losses caused by the retail purchaser of the specific auto and applies only when the seller retains an interest in the vehicle because of a payment arrangement with the seller. It is a self-contained policy and applies specifically to one purchase. Coverage is excluded when driver of vehicle is logged into a transportation network.

CA 26 02–Single Interest Automobile Physical Damage Insurance Policy (Finance Master Policy Form) (11 16 change)

This policy provides physical damage coverage to the seller of vehicles for losses caused by the retail purchaser of those autos and applies only when the seller retains an interest in the vehicle because of a payment arrangement with the seller. It is a self-contained policy and applies on a blanket basis for dealers. Coverage is excluded when driver of vehicle is logged into a transportation network.

CA 26 04–Amendment of Single Interest Policy Provisions - Public or Livery Passenger Conveyance and On-Demand Delivery Services Exclusion (11 16 addition)

This restrictive endorsement is used with CA 26 01–Single Interest Automobile Physical Damage Insurance Policy (Individual Policy Form) and CA 26 02–Single Interest Automobile Physical Damage Insurance Policy (Finance Master Policy Form) to exclude coverage when the driver of the vehicle is logged into a delivery network platform.

CA 26 05–Single Interest Deductible

This endorsement is used with CA 26 01–Single Interest Automobile Physical Damage Insurance Policy (Individual Policy Form) and CA 26 02–Single Interest Automobile Physical Damage Insurance Policy (Finance Master Policy Form) to add either a $100 or $250 deductible to the physical damage coverages provided by those single interest policies.

COMMON COVERAGES AND RATING PROCEDURES ENDORSEMENTS (CA 99)

CA 99 03–Auto Medical Payments Coverage (10 13 change)

CA 99 10–Drive Other Car Coverage–Broadened Coverage for Named Individuals (10 13 change)

CA 99 13–Fiduciary Liability of Banks (10 13 change)

This endorsement applies to banks that assume fiduciary responsibilities for others. It excludes coverage for events that occurred before the named insured assumed those fiduciary responsibilities, amends the definition of Who Is an Insured and slightly changes the Transfer of Rights of Recovery against Other to Us condition.

CA 99 14–Fire, Fire and Theft, Fire, Theft and Windstorm and Limited Specified Causes of Loss Coverages (10 13 change)

This endorsement provides extremely limited physical damage coverage.

CA 99 15–Governmental Bodies Amendatory Endorsement

This endorsement removes vehicles designed for use on public roads that are used solely on public roads owned by the governmental body from the definition of mobile equipment definition and treats them as autos.

Note: Use of this endorsement should be coordinated with Commercial General Liability coverage to prevent either duplicate coverage or gaps in coverage.

CA 99 16–Hired Autos Specified As Covered Autos You Own (10 13 change)

This endorsement treats any non-owned auto on the endorsement schedule as a covered auto for either liability or physical damage coverages. The symbols on the declarations determine whether these autos should also be indicated on the declarations.

CA 99 17–Individual Named Insured (10 13 change)

Related Article: CA 99 17–Individual Named Insured

CA 99 23–Rental Reimbursement Coverage (10 13 change)

This endorsement provides rental reimbursement coverage to covered autos on the endorsement schedule that sustain loss or damage from a covered cause of loss. The amount paid is subject to the maximum limit for any single day, the number of days and the total amount indicated for any one period. It is subject to several limitations or exclusions, such as coverage not applying if other spare or reserve autos are available for use.

CA 99 27–Split Liability Limits

This endorsement replaces the covered autos liability coverage Limit of Insurance with the split Bodily Injury and Property Damage limits on the endorsement schedule.

CA 99 28–Stated Amount Insurance (10 13 change)

This endorsement has a stated amount of insurance for each vehicle on the endorsement schedule. As a result, physical damage losses are settled for the actual cash value, the cost to repair or replace, or the stated amount of insurance, whichever is least. While a cost savings accompanies this endorsement, the named insured must understand that in some cases the loss settlement may be for an amount less than the stated amount.

CA 99 30–Tapes, Records and Discs Coverage (10 13 change)

This endorsement deletes the physical damage exclusion applying to tapes, records, and discs, extends comprehensive coverage to apply to tapes, records, and discs the named insured or a family member owns while in a covered auto at the time of loss for up to $200, without being subject to a deductible.

CA 99 33–Employees as Insureds (10 13 change)

This endorsement extends covered autos liability coverage to employees when they use autos that are not owned, hired, or borrowed by the named insured for the named insured's business or personal affairs.

CA 99 34–Social Service Agencies–Volunteers as Insureds (10 13 change)

This endorsement is designed for social services agencies to cover volunteers. Anyone who volunteers his or her services to the named insured is covered while using covered non-owned vehicles to transport clients or other people to activities necessary to the named insured's business. Coverage also extends to the owners of the non-owned autos.

CA 99 37–Garagekeepers Coverage (10 13 change)

Related Article: CA 99 37–Garagekeepers Coverage

CA 99 40–Exclusion or Excess Coverage Hazards Otherwise Insured (10 13 change)

This endorsement excludes or limits covered autos liability coverage for the auto scheduled on this endorsement. This is meant to be used only when that scheduled auto is covered under another coverage form or policy. This is very useful when other than Symbol 7 is used.

CA 99 44–Loss Payable Clause (10 13 change)

This endorsement adds provisions that apply to loss payments when a loss payee is indicated on the policy.

CA 99 47–Employee as Lessor (10 13 change)

This endorsement adds the auto on the endorsement schedule as a covered owned auto and includes the employee who leases it to the named insured as an insured.

CA 99 48–Pollution Liability–Broadened Coverage for Covered Autos–Business Auto and Motor Carrier Coverage Forms (10 13 change)

This endorsement broadens pollution coverage to apply to bodily injury and property damage liability and covered pollution costs or expenses caused by pollutants while being transported, handled or stored on the auto. This applies only for liability that has NOT been assumed under a contract. It also deletes the Care, Custody, or Control exclusion but only as it relates to the pollution coverage granted under this endorsement.

CA 99 54–Covered Auto Designation Symbol (10 13 change)

This endorsement is used to add a covered auto symbol to any of the auto coverage forms and to manuscript a definition for it to describe what is considered a covered auto.

CA 99 59–Garagekeepers Coverage–Customers' Sound-Receiving Equipment (10 13 change)

This coverage is similar to that provided under CA 99 37–Garagekeepers Coverage except that it applies only to customers’ sound-receiving equipment.

Related Article: CA 99 37–Garagekeepers Coverage

CA 99 60–Audio, Visual and Data Electronic Equipment Coverage Added Limits (10 13 change)

This endorsement allows for audio, visual and data electronic equipment per loss higher limits to be provided for scheduled automobiles. The scheduled limits are in excess of the $1,000 sub-limit for audio, visual and data electronic equipment coverage provided in the coverage form limit of insurance.

CA 99 61–Loss Payable Clause–Audio, Visual and Data Electronic Equipment Added Limits (10 13 change)

This is identical to the CA 99 60 above except for specific references to loss payee concerns.

CA 99 90–Optional Limits–Loss of Use Expenses (10 13 change)

This endorsement modifies the Physical Damage Loss of Use Expense Coverage Extension limits of $20 per day with a $600 maximum. It allows a higher amount per day and a higher maximum.

INTERLINE ENDORSEMENTS (IL 00 THROUGH IL 12)

IL 00 03–Calculation of Premium

This endorsement states that the insurance company uses the rules and rates in effect as of the renewal or anniversary date.

IL 00 17–Common Policy Conditions

This mandatory endorsement provides certain common policy conditions.

IL 00 21–Nuclear Energy Liability Exclusion Endorsement (Broad Form)

This endorsement excludes hazards relating to nuclear energy liability and is attached to all policies.

IL 09 11–Supplement to Retrospective Premium Endorsement-Final Premium Computation

This endorsement eliminates the requirement to make calculations of the retrospective premium final when attached to a policy subject to the Retrospective Premium Endorsement. It also clarifies the premium calculation intervals.

IL 09 18–Retrospective Premium Endorsement–One Year Plan–Multiple Lines

This endorsement provides for retrospective rating of a policy and contains a schedule used to develop the premium for a one-year plan.

IL 09 19–Retrospective Premium Endorsement–Three Year Plan–Multiple Lines

This endorsement provides for retrospective rating of a policy and contains a schedule used to develop the premium for a three-year plan.

IL 09 20–Retrospective Premium Endorsement–Long-Term Construction Project–Multiple Lines

This endorsement provides for retrospective rating of long-term construction projects and contains a schedule used to develop the premium.

IL 09 21–Retrospective Premium Endorsement–Short Form

This endorsement permits addition of a policy to an existing retrospective premium endorsement rating procedure.

IL 09 22–Exclusion of Aviation Exposures

This endorsement exempts scheduled aviation exposures from the retrospective rating plan.

IL 09 23–Retrospective Premium Endorsement–Exclusion of Retrospective Development Factors

This endorsement deletes reference to any Retrospective Development Factors in the states scheduled.

IL 12 01–Common Policy Changes

This generic change endorsement permits various changes that affect all coverages provided.