Coverage description
An American Association of Insurance Services (AAIS) standard form. Coverage for your legal liability as a common or contract carrier for loss or damage to property of others in your care under a bill of lading, contract of carriage or shipping receipt, while in transit in your vehicles or at terminals.
How the form has changed
4 changes 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 01 07Latest editionNew exclusions apply to costs, fines and damages from your failure to meet contractual transport requirements, such as seals, or food safety laws and regulations.
01 07
Not in this edition
03 20
“resulting from "your" failure to comply with contractual requirements for the transport of property”
A new exclusion applies to food deemed adulterated because of those failures, unless the adulteration results from loss or damage by a covered peril.
01 07
Not in this edition
03 20
“not pay for loss or damage to food deemed "adulterated"”
Property of others can now be valued at replacement cost when the bill of lading or shipping receipt indicates it, instead of only actual cash value.
01 07
“at the time of the loss (with a deduction for depreciation)”
03 20
“will be based on the replacement cost without any deduction for depreciation”
Terminal coverage is no longer limited to a terminal building or within 100 feet of it; a terminal now means any portion of a premises within its legal boundaries.
01 07
“or within 100 feet of the described "terminal"”
03 20
“"Terminal" means any portion of a premises, including the legal boundaries of the premises”
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 | 49 | 30 | 26 | Dec 2021 to Jul 2026 |
| 01 07Jan 2007 | 5 | 9 | 4 | Jan 2022 to Jul 2025 |
| ED 1.0 | 17 | 3 | 10 | Feb 2023 to May 2024 |
4 other edition dates appear in one or two filings each, often carrier-specific versions: 04 18, Ed. 1.0, Ed 1.0, Ed. 01.
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.
- IM 74 50 (Motor Truck Cargo Legal Liability Coverage - Reporting Form) is filed alongside it most often, in 57 of the same filings (75%).
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 7451, out of 24 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 |
| Hastings Mutual Insurance Company | 6 | 5 | 03 20 | Mar 13, 2025 |
| Grinnell Mutual GroupGrinnell Compass, Inc. | 4 | 4 | Ed. 1.0Ed 1.0Ed. 01 | Feb 9, 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 |
How the largest insurers handle IM 7451
Groups among the largest commercial inland marine insurers that filed IM 7451 or their own version in the past five years.
- Liberty Mutual GroupUses IM 7451 in 1 filing
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States
Number of filings that include IM 7451 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 50Motor Truck Cargo Legal Liability Coverage - Reporting Form57 filings
- IM 72 51Owner's Cargo Coverage54 filings
- IM 74 61Refrigeration Breakdown Coverage - Vehicles54 filings
- IM 70 00Contractors' Equipment Coverage52 filings
- IM 70 03Contractors' Equipment Coverage - Small Tools Floater52 filings
- IM 70 20Replacement Cost Endorsement52 filings
- IM 71 00Installation Floater Coverage52 filings
- IM 72 01Computer Coverage52 filings
- IM 74 56Schedule Of Coverages - Motor Truck Cargo Legal Liability Coverage52 filings
- IM 74 65Operating Territory52 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 |
| Jul 3, 2025 | United Ohio Insurance Company | WI | 01 07 | OHMG-134591716 |
| Mar 13, 2025 | Hastings Mutual Insurance Company | IL | 03 20 | HAST-134353131 |
| Feb 26, 2025 | United Ohio Insurance Company | WI | 01 07 | OHMG-134285303 |
| Oct 17, 2024 | American Association of Insurance Services | ID | 03 20 | AMAX-134287113 |
| Sep 30, 2024 | American Fire and Casualty Companyand 3 more | IN | 01 07 | LBRC-134262371 |
| 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 |
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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