ISO MOTOR CARRIER COVERAGE FORM AVAILABLE ENDORSEMENTS AND THEIR USES

(October 2019)

INTRODUCTION

This list identifies endorsements available to modify the Insurance Services Office (ISO) Motor Carrier Coverage Form. It is arranged by form number and title and it includes a brief explanation of the use of 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 in the 10 13 edition or later are in bold print.

Note: In the absence of any other bold print wording in the endorsement descriptions, a 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 Dealer 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 on 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 requires the insurance company to pay the deductible and then be reimbursed by the named insured. Under CA 03 01, the insurance company may pay the deductible and then be reimbursed. Under this endorsement, the insurance company will 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 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 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 79 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 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 an insured contract that relate to construction or demolition operations within 50 feet of a railroad with respect to the 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.

UNINSURED MOTORISTS ENDORSEMENTS (CA 21)

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

Auto Uninsured and Underinsured Coverage Requirements lists uninsured 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 Motorists 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 the 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 named lessor. It is valid only when the vehicle is used under operating rights issued by a public authority.

CA 23 12–Motor Carriers–Named Lessee as Insured

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

CA 23 13–Trailer Interchange Fire and Fire and Theft Coverages (10 13 change)

This endorsement is used to provide only fire or only fire and theft coverage for trailers subject to a trailer interchange agreement. All provisions of the trailer interchange except that coverage is restricted to only the selected coverages of fire or fire and theft.

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 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 an employee does not include leased or temporary workers.

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.

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.

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 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 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 sustains 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 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 and 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 coverage for a covered auto insured for covered autos liability coverage under another coverage form or policy or to make this coverage excess over the other coverage. 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.