Commercial Auto Insurance

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The cost of IRMI application products depends on the size of your organization. The size ranges are as follows.

  • 1-9 Employees
  • 10-30 Employees
  • 31-60 Employees
  • 60+ Employees - Contact us for a quote!

To subscribe to an IRMI product, you can purchase either a single-seat license for an individual, or an unlimited group license for everyone in your organization. The cost depends on whether your firm qualifies as a "Small Business" or a "Large Business" under the definitions in the following table.

Item Individual Small Business Large Business
Users 1 Unlimited Unlimited
Agency/Brokerage Any size Under $10M Revenue $10M+ Revenue
Insurance Company Any size Under $100M Premium $100M+ Premium
Law Firm Any Size Under 10 coverage Lawyers 10+ Coverage Lawyers
Risk Mgmt. Dept. Any Size Any Size N/A
Other Organization Any Size Under 100 Employees N/A

IRMI offers two options for your subscription term:

  1. Month-to-Month Subscription – Payable by credit card prior to the start of your first month and billed automatically to the credit card on file each month thereafter.
  2. Annual Subscription – Paid in full by credit card prior to the start of your first annual term.

Commercial Auto Insurance

Product type: 1 Year Subscription

Publication Date(s): 1993–2018

Update Schedule: Quarterly

Case Citations: 300+

Part of: Insurance Coverage Package

Discount: Prices shown include a 5% discount for choosing the annual payments option

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Discussions of all countrywide ISO endorsements help you tailor coverage for specific needs.

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.

Includes samples of all the ISO countrywide and most state business auto, garage, truckers, and motor carrier forms (current editions and some past editions).

Free White Paper

Additionally, you can now see details of some decisions and a list of cases citing IRMI reference services, expert commentary, and glossary definitions in the new white paper, IRMI's Influence in the Courts—Shaping Insurance Law.

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

Download Table of Contents

Agents, Brokers, and Account Support Staff

  • 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.

Risk Managers, Financial Executives, & Insurance Buyers

  • 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.

Claims Adjusters

  • 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.
    Bonus Publication Icon

    Your purchase of Commercial Auto Insurance comes with access to thousands of coverage-line-specific insurance forms and endorsements promulgated by the Insurance Services Offices, Inc. (ISO), and the American Association of Insurance Services (AAIS).

    Bonus Publication Icon

    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.

    Bonus Publication Icon

    You will also get access to a digital copy of the Contractor's Guide to CIPs—a handy reference that provides guidance on 38 issues contractors should consider when accepting coverage through a wrap-up or controlled insurance program.