Product background
Commercial auto covers vehicles used by businesses, including business auto, garage, truckers, and combination programs, with liability and physical damage coverage depending on the filing.
Commercial auto filing research often turns on liability, medical payments, PIP, UM/UIM, specified causes of loss, comprehensive, collision, garagekeepers, trailer interchange, and state-specific auto notices.
What forms make up a commercial auto policy
An ISO commercial auto policy pairs a declarations page with one coverage form: CA 00 01 Business Auto (filed by 91 carrier groups, with CA DS 03), CA 00 20 Motor Carrier for trucking (64, with CA DS 21) or CA 00 25 Auto Dealers (54, with CA DS 26). Widely filed endorsements waive subrogation (CA 04 44, CA 04 43), make the policy primary and noncontributory (CA 04 49) or add insureds (CA 20 48, CA 20 01).
Common filing signals
- Business auto, garage, truckers, and combination policy forms
- Liability, PIP, medical payments, UM/UIM, comprehensive, collision, and specified causes forms
- Trailer interchange, garagekeepers, motor carrier, cancellation, and state amendatory endorsements
Rate impact
| State | Filings | Avg |
|---|---|---|
| TX | 138 | +20.6% |
| GA | 115 | +9.7% |
| TN | 108 | +9.5% |
| IN | 100 | +8.3% |
| WI | 93 | +7.8% |
| PA | 92 | +7.2% |
| UT | 87 | +10.9% |
| MD | 78 | +8.1% |
| Carrier | Avg | Filings |
|---|---|---|
| Accredited Insurance Holdings Group18 states | +76.6% | 19 |
| MGI Holdings Group15 states | +45.2% | 16 |
| Amtrust Financial Services Group17 states | +43.5% | 22 |
| Coverys Group28 states | +37.9% | 28 |
| Cimarron Insurance Company, Inc.5 states | +29.7% | 5 |
| MS & AD Insurance Group21 states | +28.9% | 35 |
| Hiscox Insurance Group3 states | +26.9% | 3 |
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jan 16, 2026 | Amtrust Financial Services Group | OR | Retail Commercial Lines | +195.8% | +262.0% |
| Feb 25, 2026 | Liberty Mutual Group | CA | Commercial Auto | +122.9% | +171.8% |
| Feb 18, 2026 | Accredited Insurance Holdings Group | ID | Commercial Auto | +91.3% | +91.3% |
| Feb 18, 2026 | Accredited Insurance Holdings Group | NE | Commercial Auto | +91.3% | +91.3% |
| Nov 14, 2025 | Accredited Insurance Holdings Group | CO | Commercial Auto | +91.3% | +91.3% |
| Nov 14, 2025 | Accredited Insurance Holdings Group | IA | Commercial Auto | +91.3% | +91.3% |
| Nov 14, 2025 | Accredited Insurance Holdings Group | OH | Commercial Auto | +91.3% | +91.3% |
| Nov 14, 2025 | Accredited Insurance Holdings Group | TN | Commercial Auto | +91.3% | +91.3% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Commercial Auto | Liberty Mutual Group | Revised | 251 | Nov 10, 2026 |
| Commercial Auto | Berkshire Hathaway Group | Revised | 209 | Nov 10, 2026 |
| Silc Commercial Auto | Starr Group | Revised | 138 | Nov 10, 2026 |
| Ori Last Mile Delivery | OLD Republic Group | Revised | 109 | Nov 10, 2026 |
| Commercial Auto | EMC Insurance Company Group | Other | 80 | Nov 10, 2026 |
| Commercial Automobile | Brookfield Wealth Solutions Group | Revised | 71 | Nov 10, 2026 |
Top carriers
Top states
Insurance forms library
Form examples
- 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