Summary: There are a multitude of ISO commercial auto endorsements, and year by year, the list keeps growing. Rather than attempt a discussion of all of the endorsements in one commentary, we will provide a listing, brief discussion and explanation of each of the endorsements by the way they are categorized by ISO – Amendatory endorsements (Categories 01 and 05), Cancellation and Suspension endorsements (Category 02), Deductible endorsements (Category 03), Additional Coverage endorsements (Category 04), Specialized Types endorsements (Category 20), Uninsured Motorists endorsements (Category 21), No-Fault endorsements (Category 22), Commercial Auto endorsements (Category 23), Public Transportation endorsements (Category 24), Garage endorsements (Category 25), Single Interest endorsements (Category 26), Additional Garage endorsements (Category 27), Special Types endorsements (Category 28), and Common Coverages and Rating Procedures endorsements (Category 99).
The first of these commentaries addressed Categories 01, 02, 03 and 05.
The next categories of endorsements discussed were Categories 04, Additional Coverage endorsements, and 20, Specialized Types endorsements, then 23 – Commercial Auto endorsements. These are varying endorsements that address certain exposures and coverages not otherwise categorized.
Next, we discussed endorsements in Category 26 – Single Interest endorsements.
Here we discuss endorsements in Category 27 – Additional Garage endorsements, and the single endorsement in Category 28 – Special Types.
Here is a list of all approved forms for commercial auto.
Topics covered:
There is only a single endorsement in Category 28 – Special Types. This endorsement is available under the Auto Dealers Coverage Form, the Business Auto Coverage Form, or the Motor Carrier Coverage Form.
Unmanned Aircraft Exclusion For General Liability Coverages CA 27 05
The auto dealers coverage form already includes an exclusion for bodily injury or property damage arising out of the ownership, maintenance or use of "unmanned aircraft". "Unmanned aircraft" is defined as "any aircraft that is not designed, manufactured, or modified after manufacture to be controlled from a person within or on the aircraft." This is an aircraft that is controlled by a person on the ground, using handheld controls in order to maneuver the craft to wherever the operator wants it to go, such as a drone. Drones can also fly autonomously, something that separates them distinctly from hobby radio controlled aircraft. Endorsement CA 27 05 11 20 excludes all liability arising out of the ownership, maintenance, use or entrustment to others of any unmanned aircraft under bodily injury and property damage, and also personal and advertising injury liability coverages, so it is a more restrictive exclusion than what is in the auto dealers coverage form.
Unmanned Aircraft Exclusion For General Liability Coverages – (Bodily Injury And Property Damage Liability Only) CA 27 06
Endorsement CA 27 06 11 20 may be used in lieu of CA 27 05. This endorsement excludes liability arising out of the ownership, maintenance, use or entrustment to others of any unmanned aircraft, regardless of whether such aircraft is owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This is meant to be a total and absolute exclusion of all liability for any unmanned aircraft.
Unmanned Aircraft Exclusion For General Liability Coverages – (Personal And Advertising Injury Liability Only) CA 27 07
Endorsement CA 27 07 11 20 may be used in lieu of CA 27 05. This endorsement excludes personal and advertising injury liability arising out of the ownership, maintenance, use or entrustment to others of any unmanned aircraft. Use includes operation and "loading or unloading". So if coverage is to be provided for bodily injury and property damage liability, but not personal and advertising injury liability, use of CA 27 07 would accomplish that purpose.
Limited General Liability Coverage For Designated Unmanned Aircraft CA 27 08
Endorsement CA 27 08 11 20 can be used to designate coverage for a specific unmanned aircraft with respect to a specific project or operation. A separate aggregate limit of insurance may be shown for this coverage. If such separate aggregate is shown, it will be applicable to damages under paragraph A. bodily injury and property damages, paragraph B. personal and advertising injury liability; and medical expenses under Coverage C., for all such damages arising out of the ownership, maintenance, use or entrustment to others of an unmanned aircraft. If this endorsement is added, no other unmanned aircraft endorsements may be on the policy.
Limited General Liability Coverage For Designated Unmanned Aircraft – (Bodily Injury And Property Damage Liability Only) CA 27 09
This endorsement CA 27 09 11 20 may be used in lieu of endorsements CA 27 05 or CA 27 06. This endorsement is similar to endorsement CA 27 08 in that it can be used to designate coverage for specific unmanned aircraft with respect to a specific project or operation, as shown in the endorsement schedule. This coverage is limited to bodily injury and property damage liability arising out of the ownership, maintenance, use or entrustment to others of an unmanned aircraft. Use includes operation and "loading and unloading". A separate aggregate may be shown as applicable to paragraphs A and C. There is no coverage for paragraph B. personal and advertising injury liability under this endorsement.
Limited General Liability Coverage For Designated Unmanned Aircraft – (Personal And Advertising Injury Liability Only) CA 27 10
Like endorsements CA 27 08 and CA 27 09, endorsement CA 27 10 11 20 can be used to designate coverage for specific unmanned aircraft with respect to a specific project or operation, as shown in the endorsement schedule, but for personal and advertising injury liability only. A separate aggregate limit may be shown for the coverage, and this endorsement of course excludes unmanned aircraft with respect to bodily injury and property damage liability.
Cannabis Exclusion For General Liability Coverages CA 27 12
Attaching endorsement CA 27 12 12 19 excludes all general liability coverages in connection with cannabis – liability arising out of its design, cultivation, manufacture, storage, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession, or disposal; also, the actual, alleged, threatened or suspected inhalation, ingestion, absorption or consumption of, contact with, exposure to, existence of, or presence of cannabis. The endorsement also adds a comprehensive definition of cannabis which is standard throughout the ISO forms.
Cannabis Exclusion With Hemp Exception For General Liability Coverages CA 27 13
Endorsement CA 27 13 12 19 is like endorsement CA 27 12, except that endorsement CA 27 13 contains an exception for general liability coverages for such liability arising out of goods or products containing or derived from hemp, including, but not limited to: seeds, food, clothing, lotions, oils or extracts, building materials, or paper.
Cannabis Exclusion With Hemp And Lessor Risk Exception For General Liability Coverages CA 27 14
Endorsement CA 27 14 12 19 is like endorsement CA 27 12, except that endorsement CA 27 14 contains the same liability exception for hemp as contained within endorsement CA 27 13, and it also contains an exception for lessors risk liability.
Amendment Of Personal And Advertising Injury Definition – General Liability Coverages CA 27 15
Endorsement CA 27 15 11 20 removes from the definition of personal and advertising injury the offense of oral or written publication that violates a person's right of privacy; thereby removing this coverage from the auto dealers coverage form.
Exclusion – Cross Suits Liability For General Liability Coverages CA 27 16
The cross suits liability exclusion CA 27 16 11 20 excludes coverage for general liability arising out of claims or suits brought by a named insured against any other named insured, both of which are covered by the same policy.
Designated Location(s) Products And Work You Performed Aggregate Limit For Certain General Liability Coverages CA 27 17
Endorsement CA 27 17 11 20 allows for designating coverage to a per location basis in lieu of a per policy basis with respect to products and work performed by the insured. The location(s) that this per location aggregate applies to must be shown in the endorsement schedule. For purpose of this endorsement, "location" is defined to mean premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad.
Automatic Insured Status For Newly Acquired Or Formed Limited Liability Companies – Other Than Covered Auto Coverages CA 27 18
With respect to limited liability companies that the insured newly acquires, coverage can be applied automatically for up to 90 days to such LLCs under the general liability coverage and acts, errors or omissions liability coverage; and employee benefits liability coverage or customer complaint legal defense coverage. This automatic coverage is applied by attaching endorsement CA 27 18 11 20.
Abuse Or Molestation Exclusion For General Liability And Acts, Errors Or Omissions Liability Coverages CA 27 21
Endorsement CA 27 21 09 22 is a total abuse or molestation exclusion endorsement with respect to general liability and acts, errors or omissions liability coverages, of any person, committed by anyone. The excluded damages can arise out of actual, alleged or threatened abuse or molestation, and can be, but does not have to be, sexual in nature. The exclusion extends to the negligent employment, investigation, supervision or retention of a person for whom any insured is or ever was legally responsible and whose conduct would be subject to this exclusion. This is a very broad exclusion virtually excluding any liability coverage for claims against the insured for any type or kind of abuse or molestation. By not defining these terms they will be given their broadest customary meaning. While molestation requires touching someone, abuse does not. For example, Dictionary.com defines the word abuse in part to mean to treat in a harmful, injurious, or offensive way; or harshly or coarsely insulting language; or to use wrongly or improperly; misuse. Improper can be defined as to not be in accord with propriety, modesty, good manners, or good taste; not suited to the circumstances, design, or end; not regularly or normally formed or not properly so called; or not in accord with fact, truth, or right procedure.
Sexual Abuse Or Sexual Molestation Exclusion For General Liability And Acts, Errors Or Omissions Liability Coverages CA 27 22
Endorsement CA 27 22 09 22 is like endorsement CA 27 21, except that this exclusion applies only as respects abuse or molestation that is sexual in nature. In all other respects, the endorsements are the same. Sexual encompasses virtually anything that relates to sexes or gender.
Sexual Abuse Or Sexual Molestation Liability Coverage CA 27 23
To provide liability coverage for damages caused by sexual abuse or sexual molestation of any person committed by anyone, use endorsement CA 27 23 09 22. The covered liability can be for damages arising out of the actual, alleged or threatened sexual abuse or sexual molestation. Coverage extends to the negligent employment, investigation, supervision or retention of a person for whom any insued is or ever was legally responsible and whose conduct could constitute sexual abuse or sexual molestation as described in the endorsement.
Sexual Abuse Or Sexual Molestation Of Any Person Committed By the Insured Liability Coverage CA 27 24
Endorsement CA 27 24 09 22 provides coverage for damages caused by the actual, alleged or threatened sexual abuse or sexual molestation of any person for whom the insured is or ever was legally responsible and whose conduct would constitute sexual abuse or sexual molestation as described in the endorsement. Again, these terms are not defined so they would be given their broadest customary meanings.
Abuse Or Molestation Exclusion For Covered Autos Liability Exposure CA 28 03
Endorsement CA 28 03 09 22 is an abuse or molestation exclusion endorsement with respect to covered autos liability exposure. The excluded damages can arise out of actual, alleged or threatened abuse or molestation, and can be, but does not have to be, sexual in nature. The exclusion extends to the negligent employment, investigation, supervision or retention of a person for whom any insured is or ever was legally responsible and whose conduct would be subject to this exclusion. This endorsement can be added to the auto dealers coverage form, the business auto coverage form, or the motor carrier coverage form.
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