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© 05 2021 Samuel T. Bennett, CIC, AFIS, CRIS, CPIA Page 1 ISO Business Auto And Its 2020 Revisions ISO Business Auto And Its 2020 Revisions Presented by: Samuel T. Bennett, CIC, AFIS, CRIS, CPIA Harrison Agency, Inc. Columbia, MO [email protected] 2021 Rural & Small Agents’ Conference

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Page 1: ISO Business Aut o And Its 2020 Revisions...ISO Business Auto And Its 2020 Revisions b. “Mobile equipment” types: financial responsibility law or other motor vehicle insurance

© 05 2021 Samuel T. Bennett, CIC, AFIS, CRIS, CPIA Page 1 ISO Business Auto And Its 2020 Revisions

ISO Business Auto And Its 2020 Revisions

Presented by: Samuel T. Bennett, CIC, AFIS, CRIS, CPIA

Harrison Agency, Inc. Columbia, MO

[email protected]

2021 Rural & Small Agents’ Conference

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© 05 2021 Samuel T. Bennett, CIC, AFIS, CRIS, CPIA Page 2 ISO Business Auto And Its 2020 Revisions

The Insurance Services Office (ISO) released a revised Business Auto Coverage Form CA 00 01 with a revision date of November, 2020 that became effective on December 1, 2020 (subject to approval and adoption by each state’s governing authority). The ISO BAP has proven itself to be a versatile coverage form for clients who need liability protection for owned, non-owned and hired autos as well as for physical damage protection for owned and hired autos. In addition, the availability of UM/UIM, Med Pay and/or PIP and other endorsements adds incredible value to the form. Ultimately, this update revises and reinforces the Business Auto Coverage Form by changing contract language in some areas, introducing several new endorsements and revising many existing endorsements. For our clients, this coverage form can be an effective risk finance tool in our quest to manage risk for these individuals and entities. Understanding this coverage form is vital to the insurance professional that serves those in business. This outline will not address every revision in the 2020 BAP. Instead, we will address those changes that are most relevant to the Ag client. First – Let’s refresh ourselves with the Coverage Form I. Business Auto Coverage Form (CA 00 01) 1. Sections found in the form a. Section I – Covered Autos b. Section II – Covered Autos Liability Coverage c. Section III – Physical Damage Coverage d. Section IV – Business Auto Conditions e. Section V – Definitions f. Endorsements

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© 05 2021 Samuel T. Bennett, CIC, AFIS, CRIS, CPIA Page 3 ISO Business Auto And Its 2020 Revisions

2. Business Auto Coverage Form Declarations a. Item One

• Named insured • Policy period • Form of business • Premium at inception • Endorsements attached to the policy

b. Item Two – Schedule of Coverages and Covered Autos

• Coverages • Covered autos

Symbols • Limits of insurance • Premiums • Physical damage coverages

Symbols c. Item Three – Schedule of Covered Autos You Own

• Garaging location • Covered auto description • Classification • Loss payee • Coverages – Premiums, limits, deductibles

d. Item Four – Schedule of Hired or Borrowed Covered Auto Coverage and Premiums

• Liability coverage • Hired auto physical damage • No coverage for “diminution in value”

e. Item Five

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© 05 2021 Samuel T. Bennett, CIC, AFIS, CRIS, CPIA Page 4 ISO Business Auto And Its 2020 Revisions

• Schedule for non-ownership liability

f. Item Six

• Schedule for gross receipts or mileage basis 3. Important definitions a. “Auto”

B. "Auto" means: 1. A land motor vehicle, "trailer" or semitrailer designed for travel on public

roads; or 2. Any other land vehicle that is subject to a compulsory or financial

responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.

However, "auto" does not include "mobile equipment". CA 00 01 11 20 Page 10 of 13

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b. “Mobile equipment” c. “Trailer”

K. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment:

1. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads;

2. Vehicles maintained for use solely on or next to premises you own or rent; 3. Vehicles that travel on crawler treads; 4. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently

mounted: a. Power cranes, shovels, loaders, diggers or drills; or b. Road construction or resurfacing equipment such as graders, scrapers or rollers; 5. Vehicles not described in Paragraph 1., 2., 3. or 4. above that are not self-propelled and are

maintained primarily to provide mobility to permanently attached equipment of the following types:

a. Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well-servicing equipment; or

b. Cherry pickers and similar devices used to raise or lower workers; or 6. Vehicles not described in Paragraph 1., 2., 3. or 4. above maintained primarily for purposes

other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos":

a. Equipment designed primarily for: (1) Snow removal; (2) Road maintenance, but not construction or resurfacing; or (3) Street cleaning; b. Cherry pickers and similar devices mounted on automobile or truck chassis and used to

raise or lower workers; and c. Air compressors, pumps and generators, including spraying, welding, building cleaning,

geophysical exploration, lighting or well-servicing equipment. However, "mobile equipment" does not include land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered "autos". CA 00 01 11 20 Page 12 of 13

P. "Trailer" includes semitrailer. CA 00 01 11 20 Page 13 of 13

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© 05 2021 Samuel T. Bennett, CIC, AFIS, CRIS, CPIA Page 6 ISO Business Auto And Its 2020 Revisions

4. Business Auto Coverage Form Designation Symbols

Symbol Description Of Covered Auto Designation Symbols 1 Any "Auto" 2 Owned "Autos"

Only Only those "autos" you own (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to power units you own). This includes those "autos" you acquire ownership of after the Policy begins.

3 Owned Private Passenger "Autos" Only

Only the private passenger "autos" you own. This includes those private passenger "autos" you acquire ownership of after the Policy begins.

4 Owned "Autos" Other Than Private Passenger "Autos" Only

Only those "autos" you own that are not of the private passenger type (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to power units you own). This includes those "autos" not of the private passenger type you acquire ownership of after the Policy begins.

5 Owned "Autos" Subject To No-fault

Only those "autos" you own that are required to have no-fault benefits in the state where they are licensed or principally garaged. This includes those "autos" you acquire ownership of after the Policy begins provided they are required to have no-fault benefits in the state where they are licensed or principally garaged.

6 Owned "Autos" Subject To A Compulsory Uninsured Motorists Law

Only those "autos" you own that because of the law in the state where they are licensed or principally garaged are required to have and cannot reject Uninsured Motorists Coverage. This includes those "autos" you acquire ownership of after the Policy begins provided they are subject to the same state uninsured motorists requirement.

7 Specifically Described "Autos"

Only those "autos" described in Item Three of the Declarations for which a premium charge is shown (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to any power unit described in Item Three).

8 Hired "Autos" Only

Only those "autos" you lease, hire, rent or borrow. This does not include any "auto" you lease, hire, rent or borrow from any of your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households.

9 Non-owned "Autos" Only

Only those "autos" you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes "autos" owned by your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households but only while used in your business or your personal affairs.

19 Mobile

Equipment Subject To Compulsory Or Financial Responsibility Or Other Motor Vehicle Insurance Law Only

Only those "autos" that are land vehicles and that would qualify under the definition of "mobile equipment" under this Policy if they were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where they are licensed or principally garaged.

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II. Changes In the 2020 BAC 1. Certain Trailers, Mobile Equipment and Temporary Substitute Autos If Covered Autos Liability Coverage is provided by the BAP, then liability coverage is ‘automatic’ for these items. a. The 10 2013 BAP provided this status to “trailers” with a load capacity of 2,000 pounds or less and designed primarily for travel on public roads b. The 11 2020 BAP provides this status to “trailers” with a registered Gross Vehicle Weight Rating of 3,000 pounds or less and designed primarily for travel on public roads Please notice that the 10 2013 BAP referred to load capacity while the 11 2020 BAP refers to registered Gross Vehicle Weight Rating. Could this revised wording be used to NOT include newly acquired “trailers” not yet registered and/or homemade “trailers” which may never be registered?

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2. Owned Autos The 10 2013 BAP refers to Owned Autos You Acquire After The Policy Begins. The 11 2020 revised the indication to Owned Autos. The intent, in both forms, is to address how coverages work when vehicles change for a Named Insured, during a policy period. a. Both versions indicate that, when Symbols 1, 2, 3, 4, 5, 6 or 19 are found next to a coverage in Item Two of the Declarations, vehicles of the same type you acquire after the policy period begins will have those coverages for the remainder of the policy period b. Both versions indicate that, when Symbol 7 is found next to a coverage in Item Two of the Declarations, any “auto” acquired ` by you after the policy period begins will have that coverage only if:

• The carrier already covers all “autos” owned by the Named Insured for that coverage; or

• It replaces an “auto” the Named Insured previously owned and it had that coverage; AND

• The carrier is notified within 30 days c. The 11 2020 BAP has additional wording not found in the 10 2013 BAP

• This change is significant in that it clarifies that a leased vehicle meeting these criteria will now meet the requirement of Symbols 2, 3, 4, 5 & 6 which indicate the “auto” must be owned by the Named Insured

B. Owned Autos 3. An "auto" that is leased or rented to you without a driver, under a written

agreement for a continuous period of at least six months that requires you to provide primary insurance covering such "auto", will be considered a covered "auto" you own.

Page 2 of 13 © Insurance Services Office, Inc., 2019 CA 00 01 11 20

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3. Transportation Expenses and Loss of Use Expenses Coverage This coverage is found in the physical damage coverage extensions and will pay for temporary transportation expenses and loss of use expenses, but ONLY if there is a total theft of a covered private passenger type “auto”. a. The limit has been increased from $20 to $30 per day and the maximum benefit has been increased from $600 to $900 4. Non-Ownership Liability Coverage For Volunteers CA 05 24 11 20 a. Newly available endorsement b. Provides “insured” status to a “volunteer” while engaged in specified activities described in the Schedule, or while acting on the Named Insured’s behalf if no activity is described in the Schedule and using a covered “auto” the Named Insured does not own, hire or borrow c. Also provides “insured” status to the owner of the vehicle for their vicarious exposure d. Adds an exclusion for “bodily injury” to a “volunteer” e. Adds a definition of “volunteer” f. Withdrawn endorsement – Social Service Agencies – Volunteers as Insureds (CA 05 25)

B. Additional Definitions As used in this endorsement: "Volunteer" means a person, who is not your "employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. Page 2 of 2 © Insurance Services Office, Inc., 2019 CA 05 24 11 20

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© 05 2021 Samuel T. Bennett, CIC, AFIS, CRIS, CPIA Page 10 ISO Business Auto And Its 2020 Revisions

5. Partners or Members As Insureds CA 05 25 11 20 a. Newly available endorsement b. Provides “insured” status to a partner (if the Named Insured is a partnership) or a member (if the Named Insured is an LLC) while using a covered “auto” owned by him or her or a member of his or her household in the Named Insured’s business affairs c. Can be helpful when endorsement Employees As Insureds CA 99 33 10 13 is not appropriate 6. Full Safety Glass Coverage CA 04 21 11 20 a. Newly available endorsement b. Eliminates the Comprehensive Coverage deductible for “autos” indicated in the endorsement c. Choices of coverage are:

• All covered “autos” • All covered “autos” of the private passenger type • Each covered “auto” described below

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© 05 2021 Samuel T. Bennett, CIC, AFIS, CRIS, CPIA Page 11 ISO Business Auto And Its 2020 Revisions

7. Replacement Cost Coverage – Private Passenger Types CA 04 41 11 20 a. Newly available endorsement b. Amends loss settlement on the covered “auto” of the private passenger type described in the schedule c. In the event of a total “loss” to the covered “auto”, loss settlement will be at replacement value, minus any applicable deductible found in the Declarations – if:

• Comprehensive and Collision Coverage are provided for that “auto”

• The total “loss” occurs within 24 months after you become the original owner of that auto; AND

• The mileage shown on the odometer of that “auto” at the time of the “loss” is less than 24,000 miles

• The most that will be paid is the amount to replace with a new vehicle of the same make, model, trim level and equipment, or an equivalent

8. Waiver Of Transfer of Rights of Recovery Against Others To Us (Waiver of Subrogation) – Automatic When Required By Written Contract or Agreement CA 04 43 11 20 a. Newly available endorsement b. Eliminates the requirement to schedule each party for whom subrogation has been waived c. Note that a WRITTEN CONTRACT OR AGREEMENT IS REQUIRED

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© 05 2021 Samuel T. Bennett, CIC, AFIS, CRIS, CPIA Page 12 ISO Business Auto And Its 2020 Revisions

9. Business Interruption Coverage CA 99 05 11 20 a. NOT a new endorsement – slightly revised for 11 2020 b. An essential endorsement for the Ag risk with “autos” they depend upon for income

• Hauling operations • Specialized service providers • Custom harvesters

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