Coverage description
An Insurance Services Office (ISO) standard form. It provides physical damage coverage for autos held for sale by a business that is not an auto dealer, with limits and deductibles by location and in transit. It adds exclusions such as loss from trickery, buying from a seller without legal title, expected profit, and unlisted locations after 45 days.
How the form has changed
1 change across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
11 20 edition
Nov 2020, compared with 03 10Latest editionThe endorsement's deductible provision now replaces the coverage form's deductible provision instead of adding to it.
03 10
“The following is added to the Deductible Provision”
11 20
“The following replaces the Deductible provision”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 11 20Nov 2020Latest | 159 | 111 | 17 | Nov 2021 to Sep 2026 |
| 03 10Mar 2010 | 40 | 31 | 10 | Dec 2021 to Jul 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 10 13.
Where filings record what this form replaced, they name earlier edition 03 10. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 42 companies filed the 11 20 edition and 10 companies filed 03 10.
- CA 20 71 (Auto Loan/Lease Gap Coverage) is filed alongside it most often, in 193 of the same filings (97%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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.
Carriers filing this form
The 10 carrier groups with the most filings that include CA 20 78, out of 52 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Nationwide Corporation Group11 group companies filed it, led by Allied Insurance Company of America and Nationwide Insurance Company of America | 27 | 8 | 11 2003 10 | Apr 7, 2026 |
| Arch Insurance Group3 group companies filed it, led by Arch Insurance Company and Arch Indemnity Insurance Company | 13 | 2 | 11 20 | Apr 8, 2026 |
| OLD Republic Group4 group companies filed it, led by BITCO General Insurance Corporation and BITCO National Insurance Company | 13 | 1 | 11 20 | May 11, 2026 |
| Liberty Mutual Group7 group companies filed it, led by Employers Insurance Company of Wausau and LM Insurance Corporation | 12 | 5 | 11 2003 10 | Jul 1, 2026 |
| Scor GroupGeneral Security National Insurance Company | 10 | 1 | 11 20 | Jun 9, 2026 |
| Tokio Marine Holdings Incorporated Group2 group companies filed it, led by Safety National Casualty Corporation and Philadelphia Indemnity Insurance Company | 9 | 5 | 11 2003 10 | Aug 27, 2026 |
| Clear Blue Financial Group2 group companies filed it, led by Clear Blue Insurance Company and Rock Ridge Insurance Company | 8 | 2 | 11 20 | Oct 29, 2025 |
| Markel Corporation Group3 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 8 | 4 | 11 2003 10 | Jun 24, 2024 |
| Alliance Insurance GroupFarmers Alliance Mutual Insurance Company | 6 | 1 | 03 1011 20 | May 19, 2026 |
| Selective Insurance Group4 group companies filed it, led by Selective Way Insurance Company and Selective Insurance Company of America | 6 | 2 | 11 2003 10 | Jun 25, 2026 |
How the largest insurers handle CA 20 78
Groups among the largest commercial auto insurers that filed CA 20 78 or their own version in the past five years.
- Travelers GroupUses CA 20 78 in 63 filings
- Berkshire Hathaway GroupUses CA 20 78 in 1 filing
- Liberty Mutual GroupUses CA 20 78 in 4 filings
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CA 20 78 in each state, Oct 2021 to Sep 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CA 20 71Auto Loan/Lease Gap Coverage193 filings
- CA 00 01Business Auto Coverage Form191 filings
- CA 20 01Lessor - Additional Insured and Loss Payee191 filings
- CA 20 15Mobile Equipment188 filings
- CA 23 24Agricultural Produce Trailers - Seasonal182 filings
- CA 20 54Employee Hired Autos181 filings
- CA 23 17Truckers - Uniform Intermodal Interchange Endorsement Form Uiie - 1181 filings
- CA 20 19Repossessed Autos180 filings
- CA 20 33Autos Leased, Hired, Rented or Borrowed with Drivers - Physical Damage Coverage180 filings
- CA 20 06Driving Schools - Non-Owned Autos178 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Sep 10, 2026 | SECURA Insurance, A Mutual Companyand 1 more | IL | 11 20 | SEIC-135044227 |
| Sep 4, 2026 | Incline Casualty Company | SC | 11 20 | AIAD-135047572 |
| Aug 28, 2026 | Jet Insurance Company | SC | 11 20 | MRTN-134878222 |
| Aug 27, 2026 | Philadelphia Indemnity Insurance Company | NM | 11 20 | PHLX-135063316 |
| Jul 8, 2026 | Colorado Farm Bureau Insurance Company | CO | 03 10 | SFBC-135011078 |
| Jul 1, 2026 | Employers Insurance Company of Wausauand 5 more | CO | 11 20 | LBRC-135000006 |
| Jun 25, 2026 | Selective Insurance Company of Americaand 3 more | CO | 11 20 | SELC-134998854 |
| Jun 24, 2026 | Great American Alliance Insurance Companyand 3 more | CO | 11 20 | GACX-134993563 |
| Jun 19, 2026 | Addison Insurance Companyand 1 more | CO | 11 20 | UNFG-134905846 |
| Jun 18, 2026 | Sompo America Fire and Marine Insurance Companyand 1 more | CO | 11 20 | SMPJ-134972831 |
| Jun 17, 2026 | State Automobile Mutual Insurance Company | CO | 03 10 | STAT-134983865 |
| Jun 9, 2026 | General Security National Insurance Company | CO | 11 20 | PERR-134978283 |
Most filed ISO CA forms
- CA DS 03 Business Auto Declarations
- CA DS 21 Motor Carrier Declarations
- CA 00 01 Business Auto Coverage Form
- CA 28 03 Abuse Or Molestation Exclusion For Covered Autos Liability Exposure
- CA 23 17 Truckers - Uniform Intermodal Interchange Endorsement Form UIIE - 1
- 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
- CA 04 44 Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)
- CA 04 49 Primary and Noncontributory - Other Insurance Condition
- CA 20 01 Lessor - Additional Insured And Loss Payee
- CA 20 48 Designated Insured For Covered Autos Liability Coverage
- CA 00 20 Motor Carrier Coverage Form
- CA 20 71 Auto Loan/Lease Gap Coverage
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