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Commercial Auto Insurance

Commercial Auto

About This Product

Commercial Auto Insurance provides line-by-line interpretations of policies and countrywide endorsements, plus manuscript wording recommendations for tailoring coverage. In-depth discussions covering business auto, garage, truckers, and motor carrier insurance are also featured.

This resource also includes discussions of all countrywide ISO endorsements to help you tailor coverage for specific needs.

With your subscription, you'll also have access to samples of all the ISO countrywide and most state business auto, garage, truckers, and motor carrier forms (current editions and some past editions).

Individual Subscription

$35.92 per month (billed annually)

One Year Subscription

$96.12 per month (billed monthly)

Month to Month Subscription

What's included

Enterprise Subscription

Provide your entire team access to IRMI resources with a package customized to meet your needs.

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What's included

Product Description

Commercial Auto Insurance covers these topics.

  • State Motor Vehicle Laws
  • State UM/UIM Laws
  • State No-Fault Laws
  • Auto Self-Insurance Statutes
  • Business Auto Policies
  • Auto Dealers Coverage Form
  • Truckers/Motor Carrier Coverage Form
  • Interline Forms
  • Endorsements
  • Hired, Borrow, and Non-Owned Auto Coverage Issues
  • Rental Car Contracts and Coverage Issues
  • Dealing with the Auto/Mobile Equipment Dilemma
  • Coverage Checklists


Benefits to You

  • Obtain state-specific information on commercial and personal motor vehicle regulations in seconds.
  • Goes beyond basic policy interpretations to include discussions of all countrywide ISO endorsements along with manuscript recommendations to help you tailor coverage for specific needs.
  • Provides third-party support to your recommendations for coverage enhancements or concerns when questioning a claims denial on behalf of your insured.
  • Insight and resulting technical proficiency will reinforce your insureds' and underwriters' trust and confidence in you.
  • Make informed decisions by understanding the options and implications of uninsured and underinsured motorists insurance.
  • Avoid expensive surprises by making sure you are in compliance with individual state financial responsibility laws and requirements.
  • Know what endorsements to request or require to avoid serious gaps in coverage.
  • Specifies exact wording required to reject UM/UIM coverage in those states where such wording is regulated.
  • Interpretations of standard endorsements (along with corresponding endorsement numbers), recommended manuscript endorsements, and guidelines on how each endorsement can or cannot be used in a given situation will support your recommendations to agents and brokers.
  • Explanations of provisions and related endorsements will support your requests for exceptions from your underwriting manager.
  • Detailed analysis helps you determine whether mobile equipment should be insured in the auto policy or the CGL policy.
  • Quickly determine what unfamiliar policy provisions and endorsements do and do not cover with the coverage interpretations.
  • Use this information to support your decisions and explanations for improved client relations.
  • Get up to speed on the intent behind exclusions with which you have not dealt before and how they may or may not apply to a particular claim.
  • Includes over 300 case citations.
  • Current and historical ISO policy forms provide an invaluable resource for litigation involving policy provisions.
  • Demonstrate coverage best practices to the court to help you win your agent/broker E&O cases.
  • In absence of legal precedent, you'll have valuable insight to what the policies do and do not cover. Since IRMI is a highly respected research firm and has been quoted in critical court cases, our interpretations carry a great deal of weight.
  • Know what endorsements to recommend for your client to avoid serious coverage gaps.
  • Make informed decisions by understanding the options and implications of uninsured and underinsured motorists insurance.

Free Subscriber Newsletter

This valuable resource is included with your subscription at no additional charge.


Electronic Owl Newsletter

Your purchase of an IRMI reference product includes a complimentary subscription to The Electronic Owl e-newsletter. You'll receive a monthly update with links to new content and tips on how to get the most from your IRMI resources.

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