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ISO exclusion · commercial auto

CA 28 03 Abuse Or Molestation Exclusion For Covered Autos Liability Exposure

Filings
455
latest Sep 10, 2026
Filing companies
164
72 carrier groups
States
50
including DC
Latest edition
12 23
Dec 2023
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Coverage description

An Insurance Services Office (ISO) standard form. It excludes covered autos liability for damages arising out of abuse or molestation of any person committed by anyone.

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.

  1. 12 23 edition

    Dec 2023, compared with 09 22Latest edition

    • No longer excludes claims for negligent hiring, investigation, supervision, reporting or retention of the person responsible. Only the abuse or molestation itself is excluded.

      09 22

      “Reporting to the proper authorities, or failure to so report”

      12 23

      Removed

Editions

Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.

EditionFilingsCompaniesStatesFiled
12 23Dec 2023Latest23810549Dec 2022 to Sep 2026
09 22Sep 202221312147Dec 2021 to Jun 2026
11 20Nov 2020692Mar 2025 to Mar 2025

3 other edition dates appear in one or two filings each, often carrier-specific versions: 03 23, 06 15, 09/01/2022.

What the filings show

  • Edition in use: in the past 12 months, 38 companies filed the 12 23 edition and 4 companies filed 09 22.
  • 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 261 of the same filings (57%).

Filed under

Commercial Auto Combinations 377Business Auto 49Truckers 10Professional Errors & Omissions Liability 6Commercial Interline Filings 4Garage 3

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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 28 03, out of 72 in total.

CarrierFilingsStatesEditions, most filed firstLast filed
Insurance Services Office, Inc.Advisory Organization814209 2212 23Nov 3, 2023
Clear Blue Financial Group2 group companies filed it, led by Clear Blue Insurance Company and Rock Ridge Insurance Company413509 2212 23Jun 17, 2026
OBS Holdings Group2 group companies filed it, led by Obsidian Insurance Company and Obsidian Pacific Insurance Company353509 22Feb 3, 2023
Randall & Quilter Investment GroupAccredited Surety and Casualty Company, Inc.353512 23Apr 30, 2025
AIPSOAdvisory Organization313112 2309 22Jul 29, 2025
Nationwide Corporation Group11 group companies filed it, led by Nationwide Agribusiness Insurance Company and Crestbrook Insurance Company301412 2311 2009 22Aug 7, 2026
Arch Insurance Group4 group companies filed it, led by Arch Insurance Company and Arch Property Casualty Insurance Company16212 2309 22Apr 8, 2026
OLD Republic Group4 group companies filed it, led by BITCO General Insurance Corporation and BITCO National Insurance Company13212 2309 22Aug 14, 2026
Tokio Marine Holdings Incorporated Group2 group companies filed it, led by Safety National Casualty Corporation and Philadelphia Indemnity Insurance Company11512 2309 2203 23Aug 27, 2026
IAT Reins Company Group4 group companies filed it, led by Occidental Fire and Casualty Company of North Carolina and Transguard Insurance Company of America, Inc.10209 2212 23Feb 3, 2026

How the largest insurers handle CA 28 03

Groups among the largest commercial auto insurers that filed CA 28 03 or their own version in the past five years.

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States

Number of filings that include CA 28 03 in each state, Oct 2021 to Sep 2026. Darker states have more filings.

Tennessee: 6 filingsTN6Alabama: 4 filingsAL4Florida: 0 filingsFLGeorgia: 6 filingsGA6Oklahoma: 6 filingsOK6South Carolina: 7 filingsSC7Arkansas: 8 filingsAR8Missouri: 6 filingsMO6Indiana: 7 filingsIN7Louisiana: 5 filingsLA5Ohio: 6 filingsOH6Wisconsin: 3 filingsWI3Texas: 2 filingsTX2Kentucky: 6 filingsKY6Iowa: 8 filingsIA8Kansas: 6 filingsKS6Mississippi: 6 filingsMS6North Carolina: 4 filingsNC4Nebraska: 6 filingsNE6South Dakota: 7 filingsSD7Montana: 6 filingsMT6New Hampshire: 6 filingsNH6Virginia: 10 filingsVA10Arizona: 2 filingsAZ2Pennsylvania: 4 filingsPA4Rhode Island: 5 filingsRI5Michigan: 2 filingsMI2Alaska: 1 filingAK1District of Columbia: 6 filingsDC6Idaho: 13 filingsID13Maryland: 7 filingsMD7West Virginia: 5 filingsWV5Utah: 8 filingsUT8Wyoming: 6 filingsWY6Delaware: 4 filingsDE4New Mexico: 9 filingsNM9Colorado: 107 filingsCO107Connecticut: 7 filingsCT7Maine: 7 filingsME7North Dakota: 7 filingsND7Illinois: 21 filingsIL21Minnesota: 3 filingsMN3New Jersey: 4 filingsNJ4New York: 1 filingNY1Massachusetts: 8 filingsMA8Washington: 10 filingsWA10Oregon: 10 filingsOR10Vermont: 3 filingsVT3California: 54 filingsCA54Nevada: 7 filingsNV7Hawaii: 3 filingsHI3
FewerMore filingsNone

Often filed with

Standard-style form numbers that appear in the same filings most often.

  • CA 04 43Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation) – Automatic When Required by Written Contract or Agreement261 filings
  • CA 00 20Motor Carrier Coverage Form250 filings
  • CA 04 65Auto Hacking Expense Coverage190 filings
  • CA 20 54Employee Hired Autos181 filings
  • CA 20 01Lessor – Additional Insured and Loss Payee180 filings
  • CA 04 55Communicable Disease Exclusion For Covered Autos Liability Exposure177 filings
  • CA 20 71Auto Loan/Lease Gap Coverage176 filings
  • CA 04 21Full Safety Glass Coverage175 filings
  • CA 23 30Motor Carrier Endorsement175 filings
  • CA 23 17Truckers – Uniform Intermodal Interchange Endorsement Form Uiie – 1173 filings

Recent filings

Latest filings that include this form number. Filed copies open in FilingFocus.

SubmittedCompanyStateEditionsTracking number
Sep 10, 2026SECURA Insurance, A Mutual Companyand 1 moreIL12 23SEIC-135044227
Aug 28, 2026Jet Insurance CompanySC12 23MRTN-134878222
Aug 27, 2026Philadelphia Indemnity Insurance CompanyNM12 23PHLX-135063316
Aug 14, 2026BITCO General Insurance CorporationCA12 23LDDX-135054813
Aug 14, 2026BITCO National Insurance CompanyCA12 23LDDX-135056337
Aug 7, 2026Scottsdale Indemnity CompanyCA12 23NWPP-G135047524
Jun 19, 2026Addison Insurance Companyand 1 moreCO12 23UNFG-134905846
Jun 18, 2026Sompo America Fire and Marine Insurance Companyand 1 moreCO12 23SMPJ-134972831
Jun 17, 2026Clear Blue Insurance CompanyMA09 22WESA-134946941
Jun 9, 2026General Security National Insurance CompanyCO09 22PERR-134978283
Jun 9, 2026General Security National Insurance CompanyCO09 22PERR-134978297
May 21, 2026Jet Insurance CompanyNM12 23MRTN-134878221

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