With the introduction of this endorsement, the CA 99 33, which is specific to social service agencies, is being withdrawn.ĬA 05 25 11 20 – Partners Or Members As Insureds:Ī great new coverage option every agent writing coverage for a partnership or LLC should request. The vehicle must be a “covered auto,” meaning the appropriate coverage symbol is in use (Symbol 1 or Symbol 9).If the activity is not described, the volunteer must be acting on the insured’s behalf and.The activity should be described in the schedule.There are a few requirements to trigger the coverage:
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This endorsement extends insured status to volunteers (a defined term in the endorsement) driving their personally owned vehicles on behalf of the organization. ISO’s new CA 04 43 makes the waiver automatic when it is required in a contract.ĬA 05 24 11 20 – Non-Ownership Liability Coverage For Volunteers: The current “waiver of subrogation” form (CA 04 44) available for use with the Business Auto Policy (BAP) is a scheduled form, meaning that the entity must be specifically listed for the waiver to apply. There must be fewer than 24,000 miles on the car at the time of the loss.ĬA 04 43 11 20 – Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation) – Automatic When Required By Written Contract Or Agreement:.The insured must be the original owner and.The loss must occur within 24 months after the insured acquires the auto.Comprehensive and Collision Coverage must be provided for that “auto” at the time of “loss”.This endorsement extends replacement cost coverage to private passenger type autos in the event of a total loss.
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Like many ISO endorsements, the title of the endorsement tells the reader what protection is granted, limited or excluded. ISO has introduced the CA 04 39 to give the option to extend liability and physical damage coverage for volunteers who rent vehicles for the benefit of the business.ĬA 04 41 11 20 – Replacement Cost Coverage – Private Passenger Types: However, there was no endorsement available when a volunteer rented a vehicle in his or her personal name on behalf of the organization. Liability and physical damage coverage can be picked up and extended to employees by attachment of the CA 20 54 – Employee Hired Auto endorsement (a currently available endorsement). Restated, there is no coverage from the BAP, all coverage comes from the driver’s personal auto policy (PAP). Within the Who is an Insured section of the BAP, there is a specific exception (exclusion) for employees and/or volunteers who rent vehicles in their own name to conduct business for the named insured. Some states mandate this coverage.ĬA 04 22 11 20 – Earlier Notice Of Cancellation Provided By Us:Īs the name suggests, this endorsement allows the carrier the option to provide an earlier notice of cancellation than the requirements found in the policy.
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This new endorsement covers both customer-owned autos and watercraft.ĬA 04 21 11 20 – Full Safety Glass Coverage:Įssentially, attachment of this endorsement removes deductibles for glass breakage losses. The current garagekeepers coverage endorsement (CA 99 37) extends legal liability coverage for damage to customer’s autos however, this endorsement does not address watercraft.
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Many of these changes are the result of requests from IIABA’s Technical Affairs Committee.įollowing is a brief description of each of these new endorsements.ĬA 04 15 11 20 – Garagekeepers Coverage For Autos And Watercrafts: Effective November 1, 2020, Insurance Services Office (ISO) is introducing 19 new endorsements for its business auto program.