Coverage description
An Insurance Services Office (ISO) standard form. It excludes liability, physical damage, auto medical payments, uninsured and underinsured motorists and personal injury protection coverage for a covered auto while used as a public or livery conveyance, or while the driver is logged into a ride-hailing or delivery app to provide delivery services, except for business activities directly related to the named insured.
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 11 16Latest editionEach exclusion now has an exception for business activities performed by an insured that are directly related to the named insured.
11 16
Not in this edition
11 20
“However, this exclusion does not apply to business activities performed by an "insured" that are directly related to the Named Insured(s)”
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 | 231 | 136 | 36 | Nov 2021 to Sep 2026 |
| 11 16Nov 2016 | 69 | 36 | 20 | Nov 2021 to Jul 2026 |
Filed by one company only: 11/20106 (Liberty Mutual Group, 5 filings).
2 other edition dates appear in one or two filings each, often carrier-specific versions: 06 25, 10 21.
Where filings record what this form replaced, they name earlier edition 11 16 and other forms CA 23 44 11 16, AIP 23 44, AP 70 66, CA 23 44. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 57 companies filed the 11 20 edition and 16 companies filed 11 16.
- The 11/20106 edition appears only in filings from Liberty Mutual Group (5 filings in 1 state since Jun 16, 2022), which suggests a carrier-specific version.
- CA 00 01 (Business Auto Coverage Form) is filed alongside it most often, in 243 of the same filings (82%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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 23 45, out of 68 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| AIPSOAdvisory Organization | 27 | 27 | 11 20 | Jul 29, 2025 |
| Liberty Mutual Group8 group companies filed it, led by State Automobile Mutual Insurance Company and Employers Insurance Company of Wausau | 18 | 4 | 11 1611 2011/20106 | Jul 1, 2026 |
| Nationwide Corporation Group11 group companies filed it, led by Nationwide Agribusiness Insurance Company and Allied Insurance Company of America | 18 | 6 | 11 20 | Apr 7, 2026 |
| Berkshire Hathaway Group9 group companies filed it, led by GEICO General Insurance Company and GEICO Marine Insurance Company | 14 | 9 | 11 20 | Jul 6, 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 |
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 13 | 13 | 11 16 | Jul 12, 2024 |
| 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 |
| 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 2011 16 | 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 |
How the largest insurers handle CA 23 45
Groups among the largest commercial auto insurers that filed CA 23 45 or their own version in the past five years.
- Travelers GroupUses CA 23 45 in 59 filings
- Berkshire Hathaway GroupUses CA 23 45 in 7 filings
- Liberty Mutual GroupUses CA 23 45 in 3 filings
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CA 23 45 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 00 01Business Auto Coverage Form243 filings
- CA 20 01Lessor - Additional Insured and Loss Payee231 filings
- CA 20 54Employee Hired Autos222 filings
- CA 20 15Mobile Equipment216 filings
- CA 20 71Auto Loan/Lease Gap Coverage216 filings
- CA 99 28Stated Amount Insurance203 filings
- CA 99 14Fire, Fire and Theft, Fire, Theft and Windstorm and Limited Specified Causes of Loss Coverages198 filings
- CA 23 44Public or Livery Passenger Conveyance Exclusion196 filings
- CA 20 16Mobile Homes Contents Coverage191 filings
- CA 04 49Primary and Noncontributory - Other Insurance Condition186 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 |
| 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 | 11 2011 16 | SFBC-135011078 |
| Jul 6, 2026 | GEICO Advantage Insurance Companyand 7 more | CO | 11 20 | GECC-135002717 |
| Jul 1, 2026 | Acuity, A Mutual Insurance Company | CO | 11 16 | ACUT-134982802 |
| Jul 1, 2026 | Employers Insurance Company of Wausauand 5 more | CO | 11 20 | LBRC-135000006 |
| Jun 30, 2026 | Accredited Surety and Casualty Company, Inc. | CO | 11 20 | ACSA-135005169 |
| Jun 26, 2026 | Grange Insurance Association | CO | 11 16 | GRIA-135000193 |
| 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 |
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
See more carrier forms
Search forms by carrier, line of business, state, and wording with FilingFocus.