Coverage description
An American Association of Insurance Services (AAIS) standard form. It covers your legal liability as a common or contract carrier for loss to others' cargo in your care under bills of lading you issue, while in transit in vehicles or at terminals, with premium based on reports of values.
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.
03 20 edition
Mar 2020, compared with 04 18Latest editionThe exclusions for failing to meet legal standards now also cover failure to properly maintain or clean terminals, not just vehicles and trailers.
04 18
“properly maintaining or cleaning "vehicles" or "trailers"”
03 20
“"vehicles", "trailers", or "terminals"”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 03 20Mar 2020Latest | 41 | 27 | 25 | Dec 2021 to Jul 2026 |
| 04 18Apr 2018 | 8 | 2 | 8 | Dec 2021 to Nov 2024 |
| ED 1.0 | 17 | 3 | 10 | Feb 2023 to May 2024 |
Filed by one company only: 1.0 (Hastings Mutual Insurance Company, 4 filings).
2 other edition dates appear in one or two filings each, often carrier-specific versions: 01 07, Ed. 1.0.
Where filings record what this form replaced, they name earlier edition 01 07. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 5 companies filed the 03 20 edition.
- The 1.0 edition appears only in filings from Hastings Mutual Insurance Company (4 filings in 4 states since Oct 29, 2022), which suggests a carrier-specific version.
- IM 74 51 (Motor Truck Cargo Legal Liability Coverage) is filed alongside it most often, in 62 of the same filings (86%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jul 2026, excluding withdrawn and rejected filings.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 IM 7450, out of 20 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| American Association of Insurance ServicesAdvisory Organization | 18 | 18 | 03 20 | Oct 17, 2024 |
| Hannover GroupHDI Global Insurance Company | 9 | 9 | ED 1.0 | May 15, 2024 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Alterra America Insurance Company | 9 | 8 | ED 1.003 20 | Oct 5, 2023 |
| SH1 Holdings GroupSpinnaker Insurance Company | 7 | 7 | 04 18 | Nov 18, 2024 |
| Hastings Mutual Insurance Company | 4 | 4 | 1.0 | Oct 29, 2022 |
| Tokio Marine Holdings Incorporated GroupU.S. Specialty Insurance Company | 4 | 4 | 03 20 | Mar 29, 2022 |
| Amtrust Financial Services Group6 group companies filed it, led by Milford Casualty Insurance Company and CorePointe Insurance Company | 3 | 2 | 01 0703 2004 18 | Aug 26, 2022 |
| American International Group3 group companies filed it, led by Granite State Insurance Company and Illinois National Insurance Co. | 2 | 2 | 03 20 | Jun 23, 2022 |
| Copperpoint Group3 group companies filed it, led by Alaska National Insurance Company and CopperPoint Casualty Insurance Company | 2 | 1 | 03 20 | Jul 22, 2026 |
| Grange Mutual CAS Group6 group companies filed it, led by Grange Indemnity Insurance Company and Grange Insurance Company | 2 | 2 | 03 20 | Jun 4, 2024 |
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States
Number of filings that include IM 7450 in each state, Oct 2021 to Jul 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- IM 74 51Motor Truck Cargo Legal Liability Coverage62 filings
- IM 74 66Property Excluded57 filings
- IM 70 20Replacement Cost Endorsement50 filings
- IM 74 56Schedule Of Coverages - Motor Truck Cargo Legal Liability Coverage50 filings
- IM 74 61Refrigeration Breakdown Coverage - Vehicles50 filings
- IM 74 65Operating Territory50 filings
- IM 70 00Contractors' Equipment Coverage49 filings
- IM 70 13Equipment Leased or Rented To Others Endorsement49 filings
- IM 70 17Weight of Load Exclusion49 filings
- IM 70 22Property Loaned To Others - Scheduled Contractors49 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Jul 22, 2026 | Alaska National Insurance Company | SC | 03 20 | ALNI-135027848 |
| Jul 22, 2026 | CopperPoint Casualty Insurance Companyand 1 more | SC | 03 20 | COPP-135028916 |
| Mar 25, 2026 | Point Specialty Insurance Company | CA | 03 20 | SEPX-134881081 |
| Nov 12, 2025 | Clear Blue Insurance Company | CA | 03 20 | MRTN-134717923 |
| Oct 15, 2025 | Arch Insurance Company | NM | 03 20 | AICO-G134705898 |
| Nov 18, 2024 | Spinnaker Insurance Company | KY | 04 18 | WOOD-134322865 |
| Oct 17, 2024 | American Association of Insurance Services | ID | 03 20 | AMAX-134287113 |
| Sep 9, 2024 | American Association of Insurance Services | NY | 03 20 | AMAX-134217212 |
| Jul 30, 2024 | Accelerant National Insurance Company | CA | 03 20 | MRTN-133804207 |
| Jul 17, 2024 | American Association of Insurance Services | NH | 03 20 | AMAX-134165319 |
| Jul 17, 2024 | American Association of Insurance Services | UT | 03 20 | AMAX-134169395 |
| Jul 12, 2024 | American Association of Insurance Services | ND | 03 20 | AMAX-134175833 |
Most filed AAIS IM forms
- IM 7871 Exclusions Cyber Losses
- IM 7000 Contractors' Equipment Coverage
- IM 7020 Replacement Cost Endorsement
- IM 7030 Equipment Schedule - Contractors' Equipment
- IM 7003 Contractors' Equipment Coverage - Small Tools Floater
- IM 7026 Agreed Amount Endorsement
- IM 7013 Equipment Leased or Rented To Others Endorsement
- IM 7014 Rental Reimbursement Endorsement
- IM 7005 Schedule Of Coverages - Contractors' Equipment
- IM 7008 Schedule Of Coverages - Contractors' Equipment - Small Tools Floater
- IM 7018 Percentage Deductible Endorsement
- IM 7022 Property Loaned To Others - Scheduled Contractors
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