Product Update

2020 ISO Auto Dealers Coverage Form Analysis Now Available in Commercial Auto Insurance


This release of Commercial Auto Insurance (CAI) presents a detailed form analysis of the 2020 Insurance Services Office, Inc. (ISO), Auto Dealers Coverage Form (CA 00 25). This analysis is part of a comprehensive review of ISO's 11 20 (November 2020) revisions to the multistate commercial auto program, which consist of the business auto policy (BAP) (analysis published in January 2021), auto dealers, and motor carrier coverage forms. The third and last detailed form analysis in the series (motor carrier coverage form) will be published in March 2021.

In addition to the 11 20 auto dealers and BAP coverage form analyses, CAI includes analyses of 32 endorsements modified and 19 new endorsements introduced as part of the 11 20 ISO revision. Concurrently, the state-specific commercial auto endorsement section has been updated to reflect the 11 20 changes. Some of the endorsements broaden coverage; some reduce coverage; and some endorsements both broaden and reduce coverage.

As a preview to the ISO changes, IRMI released in October 2020 an executive summary and a detailed summary of all the 11 20 edition commercial auto changes.