CA 00 20 Motor Carrier Coverage Form

An Insurance Services Office (ISO) standard form. It covers motor carriers, businesses that use autos to transport property in a commercial enterprise, whether for hire or for their own goods. It provides covered autos liability, trailer interchange and physical damage coverage for the autos shown by symbol in the declarations.

1. 09 27 edition

   Sep 2027, compared with 12 23Latest edition

   Filed by Insurance Services Office in 27 states since August 2026. No carrier filings list it yet.

   • New physical damage exclusion for the vehicle's computer system, including cyber incidents.

     12 23

     Not in this edition

     09 27

     “Failure, malfunction or inadequacy of the covered "auto's" "computer system", including "operational data", however caused.”

   • Personal or confidential data stored in the vehicle is excluded, and portable media replaces the old tapes and discs wording.

     12 23

     “Tapes, records, discs or similar audio, visual or data electronic devices”

     09 27

     “Portable non-original manufacturer recording or storage media”

   • Wear and tear is split from mechanical breakdown in the physical damage exclusions.

     12 23

     “Wear and tear, freezing, mechanical or electrical breakdown.”

     09 27

     “Mechanical or electrical breakdown or malfunction.”

   • "Loss" is limited to physical loss or damage.

     12 23

     “"Loss" means direct and accidental loss or damage.”

     09 27

     “"Loss" means direct and accidental physical loss or damage.”

2. 12 23 edition

   Dec 2023, compared with 11 20

   • Another motor carrier using your trailer in its own business is now an insured.

     11 20

     Not in this edition

     12 23

     “Another "motor carrier" or any "employee", agent or driver of that "motor carrier", while using a covered "auto" that is a "trailer", in that other "motor carrier's" business.”

   • Trailer liability turns on use with a power unit, not physical connection.

     11 20

     “While a covered "auto" which is a "trailer" is connected to a power unit”

     12 23

     “While a covered "auto" which is a "trailer" is used with a power unit”

   • A lessor is an insured unless a hold harmless agreement shifts the risk to the lessor, and then only to the extent that agreement requires.

     11 20

     “if the written agreement between the lessor and you does not require the lessor to hold you harmless”

     12 23

     “is not an "insured" if a written hold harmless agreement between the lessor and you requires the lessor to hold you harmless, but only to the extent required by such hold harmless agreement”

Filed by one company only: 05 22 (Midwest Family Group, 21 filings).

2 other edition dates appear in one or two filings each, often carrier-specific versions: 01 20, 12 18.

Where filings record what this form replaced, they name earlier edition 10 13. Only some filings record replacements.

• Edition in use: in the past 12 months, 35 companies filed the 12 23 edition and 7 companies filed 11 20.
• The latest edition, 09 27, has been filed by Insurance Services Office, Inc in 27 states since Aug 20, 2026. No carrier filings list it yet.
• The 05 22 edition appears only in filings from Midwest Family Group (21 filings in 20 states since Jan 26, 2022), which suggests a carrier-specific version.
• CA 04 43 (Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation) – Automatic When Required by Written Contract or Agreement) is filed alongside it most often, in 296 of the same filings (76%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Progressive GroupUses CA 00 20 in 9 filings
• Berkshire Hathaway GroupUses CA 00 20 in 1 filing
• Old Republic GroupUses CA 00 20 in 1 filing
• Liberty Mutual GroupFiles its own version: SNA 25 02 Motor Carrier Coverage Form (1 state)

• CA 04 43Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation) – Automatic When Required by Written Contract or Agreement296 filings
• CA 23 30Motor Carrier Endorsement255 filings
• CA 28 03Abuse or Molestation Exclusion for Covered Autos Liability Exposure250 filings
• CA 20 01Lessor – Additional Insured and Loss Payee233 filings
• CA 20 54Employee Hired Autos233 filings
• CA 23 17Truckers – Uniform Intermodal Interchange Endorsement Form Uiie – 1233 filings
• CA 20 71Auto Loan/Lease Gap Coverage225 filings
• CA 99 48Pollution Liability – Broadened Coverage for Covered Autos – Business Auto and Motor Carrier Coverage Forms216 filings
• CA 27 05Unmanned Aircraft Exclusion for General Liability Coverages214 filings
• CA 27 06Unmanned Aircraft Exclusion For General Liability Coverages – (Bodily Injury And Property Damage Liability Only)209 filings