As of 1 November 2020, the Insurance Service Office (ISO) is introducing 19 new certificates for its business program. Many of these changes are the result of inquiries from the IIABA Technical Committee.
Below is a brief description of each of these new approvals.
CA 04 15 11 20 – Garage keeper coverage for cars and watercraft:
The current garage keeper coverage (CA 99 37) extends legal liability coverage for damage to the customer's cars; However, this recommendation is not aimed at personal watercraft. This new recommendation covers both customer-owned cars and jet skis. . Some states provide this coverage.
CA 04 22 1
As the name suggests, this approval allows the carrier to provide an earlier cancellation notice than the policy requirements.
CA 04 39 11 20 – Volunteer cars:
Within Who is an insured section in BAP, there is a specific exception (exclusion) for employees and / or volunteers who rent vehicles in their own name to do business for the insured. Revised, there is no coverage from BAP, all coverage comes from the driver's personal car policy (PAP).
Liability and physical damage can be addressed and extended to employees by attaching CA 20 54 – Employee rented car approval (a currently available endorsement). However, there was no recommendation when a volunteer rented a vehicle in his or her personal name on behalf of the organization. ISO has introduced CA 04 39 to provide an opportunity to increase liability and coverage for physical injuries for volunteers who rent vehicles for the benefit of the business.
CA 04 41 11 20 – Compensation cost recovery – Private Passenger types:
Like many ISO claims, the title of the endorsement tells the reader what protection is granted, limited or excluded. This certificate extends the compensation cost coverage to private cars in the event of a total loss. To qualify for replacement cost:
- Extensive and collision coverage must be provided for the "auto" at the time of "loss".
- The loss must occur within 24 months after the insured acquired the car;
- the insured must be the original owner; and
- There must be less than 24 000 km on the car at the time of loss.
CA 04 43 11 20 – Waiver of transfer of recovery rights to others to us (Waiver of subrogation) – Automatic when required By written agreement or agreement:
The current form "Exemption from subrogation" (CA 04 44) available for use with Business Auto Policy (BAP) is a scheduled form, which means that the device must be specified specifically for the exemption to apply. ISO's new CA 04 43 makes the exception automatically when required in a contract.
CA 05 24 11 20 – Coverage for non-owner liability for volunteers:
This Recommendation extends insurance status to volunteers (a defined term in the approval) who drive their personally owned vehicles on behalf of the organization. There are some requirements to trigger the coverage:
- The activity should be described in the schedule.
- If the activity is not described, the volunteer must act on behalf of the insured; and
- The vehicle must be a "covered car", meaning that the appropriate coverage symbol is used (symbol 1 or symbol 9).
With the introduction of this Recommendation, CA 99 33, which is specific to social service agencies, is withdrawn.
CA 05 25 11 20 – Partners or members who insured:
A fantastic new coverage option that every agent who writes coverage for a partnership or LLC should request. This recommendation extends the insured status of partners and members of an LLC when driving their personally owned vehicles for business purposes. There is currently a gap in coverage for these drivers.
CA 04 52 11 20, On-Hook Coverage:
ISO's new "on hook" coverage is a somewhat niche product. This is not designed for dealers or other businesses that use the current form for garage keepers (CA 99 37). This recommendation is intended for insured persons who provide roadside assistance and towing but do not have a place where work is performed.
CA 27 05 11 20 – Exclusion of unmanned aerial vehicles for general liability:
A exclusion of new unmanned aerial vehicles (drones) is added to the car dealer's cover form (CA 00 25). As the Commercial General Liability Program (CGL) now has six exceptions and limitations from drones, ISO, for consistency, adapts versions of these claims to the car dealership program. This new recommendation (CA 27 05) explicitly excludes all liability insurance in connection with drones according to the two general liability insurance parts of the car dealer program, coverage A (bodily injury and property damage) and coverage B (personal and advertising damage).  CA 27 06 11 20 – Exclusion of unmanned aerial vehicles for general liability – (Liability for bodily injury and damage to property only):
(See CA 27 05 for background.) This Recommendation excludes full coverage for bodily injury or damage to property (coverage A) as a result of the use of a drone. Coverage B (personal injury and advertising damage) is not dealt with in this recommendation.
CA 27 07 11 20 – Exclusion of unmanned aerial vehicles for general liability – (Personal and advertising damage only):
(See CA 27 05 for background.) This is the opposite of CA 27 06 in that it completely excludes coverage for personal injury and advertising damage as a result of the use of a drone. Bodily injuries and property damage are NOT covered in this recommendation.
CA 27 08 11 20 – Limited general liability insurance for designated unmanned aircraft:
(See CA 27 05 for background.) Like CA 27 05, this recommendation excludes bodily injury and property damage as well as personal and advertising damage caused by a drone unless the drone has been planned in the approval. In addition, the operations or projects must be planned.
Once planned, the approval allows an optional collection limit especially for drones. This aggregate limit is subject to the general aggregate limit of the policy.
CA 27 09 11 20 – Limited general liability coverage for designated unmanned aircraft – (Liability damage and property damage only):
(See CA 27 05 for background.) In the same way as CA 27 06 , addresses and excludes this recommendation bodily injury or property damage as a result of a drone. Like CA 27 08, an exemption provides back coverage for bodily injury or property damage caused by planned unmanned aircraft provided the operation or projects are also planned. For designated unmanned aerial vehicles – (Only personal injury and advertising damage):
(See CA 27 05 for background.) Like CA 27 07, this recommendation addresses and excludes personal injury and advertising damage due to the use of a drone. Like CA 27 09, however, an exemption provides back coverage for personal injury and advertising damage caused by scheduled drones, provided that the activities or projects are also scheduled.
CA 27 15 11 20 – Change of personal Definition of general liability and advertising damage:
This recommendation removes coverage under coverage B (personal injury and advertising damage) in the car dealer's coverage form. When this certificate is attached, there is no longer any coverage for oral or written publication that violates a person's right to privacy.
CA 27 16 11 20 – Exclusion – Cross Suits Liability for general liability insurance:
This Recommendation excludes coverage for all claims or lawsuits brought by a named insured against another named insured.
CA 27 17 11 20 – Specified place (s) Products and work you performed Aggregate limit for Certain general responsibilities:
Something similar to CGL's alternative for one unit per place (CG 25 04), the insured may have the products and work you performed aggregate limits apply separately for each location. When the insured has several places, this is an important recommendation.
CA 27 18 11 20 – Automatic insurance status for newly acquired or formed limited liability companies – Other than covered auto coverage:
both CGL and Auto Dealers coverage form, Who is an insured section does not provide protection for newly formed or for newly acquired LLC. In short, they need to be listed to be covered from the beginning. This approval allows the coverage to be extended automatically to newly acquired or formed LLCs.
However, all newly acquired for formed LLCs are still subject to the newly acquired or formed restrictions that apply to other unit types. Coverage ceases earlier than: 1) 90 days after formation or acquisition; 2) the end of the insurance period; or 3) listed on the policy.