(May, 2006)

The listing that follows identifies, by number and title, endorsements available to modify or otherwise attach to ISO's Business Auto Policy. A brief explanation of each form is also provided.

Note: This section does not address state specific endorsements, changes or amendments.

Endorsements are grouped in categories according to their purpose as follows:

CA 01 21—Limited Mexico Coverage

If the insured travels into Mexico on a trip that is 10 days or less and not more than 25 miles from the United States border, this endorsement is available to provide limited coverage. The intent of this endorsement is to extend the coverage territory to the border towns of Mexico.

Liability insurance must be purchased separately through a licensed Mexican insurance company. To be covered by this policy, any suit must be brought in the United States. The insurance provided by the endorsement is excess over the Mexican insurance and other collectible insurance.

CA 02 38—Reinstatement of Insurance

Reinstates any coverage that was previously suspended, as of the date of the endorsement. Any premium charges for the coverage that is being reinstated are due and payable when the form is issued.

This endorsement suspends the insurance protection of the coverages specified and for the vehicles specified in this endorsement. The unearned premium for the specified coverages and vehicles is returned to the insured if the suspension is 30 days or longer. If specific autos are to be listed, there is sufficient room to list up to three vehicles.

CA 03 01—Deductible Liability Coverage

This endorsement creates a deductible that applies per accident to the liability coverages, per person or per accident, to the bodily injury coverage, or per accident to the property damage liability coverage. A credit is given for any deductible selected based on the ISO rating plan.

This endorsement is identical to CA 03 01 except for one word. This form requires that the company pay the deductible and then seek reimbursement and uses the word WILL while the CA 03 01 allows the company to decide if they choose to pay the deductible and thus uses the word MAY.

CA 20 01— Lessor — Additional Insured and Loss Payee

When leased vehicles are listed on this endorsement, they are considered to be owned vehicles for coverage purposes. If a lessor is indicated on the form, that party is considered to be an insured for the designated vehicles. If desired, the coverages, limits of insurance, and deductibles may be amended for those autos as described. An additional premium charge may be made for the lessor.

The physical damage coverage exclusion that pertains to audio, visual and data electronic equipment is amended when this endorsement is added. The form revises the wording to allow coverage for such items:

• owned by police or fire departments
• equipping emergency vehicles owned by government entities or
• equipping a vehicle owned any volunteer fire, volunteer rescue squad or volunteer ambulance operations.

Any premium increase for the use of this endorsement is at the discretion of the insurer.

When this endorsement is attached to a policy, for those coverages that a premium is shown on the endorsement, coverage is extended to nonowned vehicles while being driven with the registration plates that must be described in the schedule. The nonowned vehicles are considered owned vehicles while being driven between the distribution point and its destination. The increase in premium charged for this endorsement is based on the number of registration plates and the coverages selected.

Use of this endorsement provides coverage for liability and/or auto medical payments for those nonowned vehicles that are being used for new driver instruction. The definition of "insured" is amended to extend to any driving instructor and student driver (while the student is participating in a lesson). A premium must appear on the endorsement to trigger the applicable coverage(s). The premiums charged for this endorsement are based on the number of driving instructors and the selected coverages.

Please refer to CA 20 30 — Emergency Vehicles — Volunteer Firefighters and Workers Injuries Excluded.

When attached to an auto policy, this endorsement excludes physical damage to a farm tractor and farm tractor equipment which is described in the endorsement. There is normally no premium reduction for the application of this endorsement. Physical damage coverage may be specifically purchased under endorsement CA 20 15—Mobile Equipment.

Contingent liability and any applicable no-fault coverages that may be required are provided by this endorsement to the insured for a covered, leased auto under the conditions specified. These conditions make clear that the leasing or renting operation must have required the lessee or renter to furnish the insured with a certificate of insurance or copy of the endorsement that adds the insured as an additional insured to the lessee or renter's policy. If at the time of the accident the lessee or renter's insurance is uncollectible or is canceled, this endorsement will apply. Time limitations apply with respect to cancellation. The endorsement gives the option of an alternate limit of insurance, but if none is selected, then the coverage form limit of insurance applies. Any additional premium charge for the application of this endorsement is at the discretion of the insurer.

This endorsement changes the physical damage coverage by excluding coverage under comprehensive and specified causes of loss for theft, conversion, embezzlement or secretion by any renter, lessee or person in possession of a covered auto under bailment conditional sale, purchase agreement or other related type encumbrance, unless the auto is specifically scheduled and a premium charge is paid for the coverage. The formula or components for the computation of the increase in premium are in the ISO Business Auto Rating Program.

When this endorsement is attached to a coverage form, liability and no-fault coverage are excluded for leased autos. Normally, a premium reduction is not given with this endorsement.

This endorsement excludes liability coverage for the owners or renters of rent-it-there/leave-it-here vehicles that are not owned by the insured. Normally, a premium reduction is not given with this endorsement.

This endorsement is used to schedule the limits of insurance for owned autos, by specified type of auto, if different than that shown in the Declarations. This endorsement only applies to liability coverages. A change in premium is not normally associated with this endorsement.

This provides an excess layer of liability insurance over a renter or lessee's coverage as required by the rental or lease agreement. This coverage will provide the difference between the renter or lessee's limit and the limit shown on the endorsement or the Declarations when no limit is on the endorsement. This is a blanket coverage for any covered owned auto that has been leased or rented by the insured. Any change in premium as a result of use of this endorsement is at the discretion of the insurer.

Use of this endorsement extends coverage to the scheduled mobile equipment for liability and physical damage for those coverages where a premium is shown. Please refer to PF&M Section 220.6-10 for additional information on this form.

For those coverages where a premium charge and a limit of insurance are shown, protection is extended to the contents of mobile homes for the listed covered autos. Coverage is for actual cash value. Depreciation will be taken into consideration and if replacement results in a betterment, the insured is responsible. Companion endorsement CA 20 17—Mobile Homes Contents Not Covered may be used with this endorsement to modify the type of property excluded from coverage. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

This endorsement is a companion endorsement to CA 20 16—Mobile Homes Contents Coverage and it is used to exclude property coverage for specific types of contents, such as TV antennas, awning, cabanas, auto content, or equipment designed to create added living facilities. No premium reduction is associated with this endorsement; however, the limit provided under CA 20 16 should be adjusted accordingly.

When this endorsement is attached to the Business Auto Policy (BAP), it clarifies that liability for rendering or failing to render professional services is excluded. No premium credit is normally associated with this endorsement.

Coverage for the liability or physical damage to repossessed autos may be added by use of this endorsement. The address, limits, rates and premiums for the coverages selected at each location must be shown to trigger coverage. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program. The premium basis is the number of autos repossessed. This endorsement may be on a non-reporting or a reporting basis. If the reporting basis is selected, the reporting options are monthly or quarterly.

For those vehicles described on this endorsement, either physical damage or liability coverage may be selected. Coverage is triggered by insertion of a premium in the appropriate coverage column. Limits and deductibles must also be selected. Additional exclusions apply to snowmobile coverage, some of which may be bought back for additional premium within the endorsement itself. The formula for the computation of the increase in premium is found in the ISO Business Auto Rating Program, including the charges to be made for the buyback provisions.

Liability coverage is provided for autos while they are using the plates described in the endorsement and for the coverage selected. The insertion of a premium triggers which Liability Coverages are provided. The formula for computing the increase in premium is found in the ISO Business Auto Rating Program. The premium basis is per plate.

When this endorsement is added to the policy, it clarifies that bodily injury liability to volunteer firefighters and volunteer workers is excluded. Fellow employee or volunteer worker coverage is also excluded. No premium reduction is associated with this endorsement. A buyback option is available in the states that use the CA 20 30 for a significant increase for each emergency vehicle. Refer to the specific states exception pages for pricing. Use Form CA 20 07 — Emergency Vehicles — Fellow Volunteer Firefighters and Workers Injuries Exclusion Buyback.

This endorsement provides physical damage for non-owned vehicles designated in the endorsement, for the coverages selected. A physical damage limit and deductible, as well as an estimated cost of hire, rate and premium must be shown for each coverage. This endorsement once had a set $25 deductible for Specified Cause of Loss. The deductible now must be shown on the Declarations. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program. The premium basis is estimated annual cost.

Additional insured liability coverage may be added with this endorsement for the specified person as it relates to their vicarious liability. This endorsement may be used with any of the four coverage forms that provide liability protection. An additional premium charge may be made for the additional insured.

Allows an employee to hire or rent a vehicle (without operator) in his/her own name and still have coverage under the employer's policy. The hiring or renting must be done with the named insured's permission and must be related to duties the employee regularly performs for the named insured.

By eliminating the fellow employee exclusion, there is coverage if an employee should injure another employee while both are performing their duties. However, remember that the Workers Compensation and Employee Indemnification exclusions remain in effect.

This is similar to the Fellow Employee Coverage except it allows for specific people, job title or positions to be scheduled. Only those listed would be covered if injured.

This endorsement is designed to match a similar extension in the CGL. This is a limited extension of coverage for designated operations around railroads. The jobs must be scheduled and the particular railroad must be scheduled.

This endorsement deals with the situation where a car is totaled and its value is less than the amount of the outstanding lease or loan. It is explicit that extra charges are NOT picked up — just the gap between the worth of the vehicle and the outstanding balance for the loan, excluding any items that were purchased along with the vehicle.

This endorsement provides physical damage coverage for vehicles held for sale by other than dealers. Coverage must be selected, locations indicated, and deductibles chosen on the schedule in the endorsement.

Please refer to PF&M Section 220.6-3, Uninsured And/Or Underinsured Motorist Coverage Endorsements for a detailed analysis of these forms. Please refer to PF&M Section 220.6-9, Auto Uninsured and Underinsured Coverage Requirements for detailed state requirements.

This endorsement gives the ability to split the limits for the uninsured motorists coverage with different amounts for bodily injury each person, bodily injury each accident, and property damage each accident. The premium charged for the uninsured motorist coverage is dependent upon the limit selected.

This endorsement gives the ability to split the limits for the underinsured motorists coverage with different amounts for bodily injury each person, bodily injury each accident and property damage each accident. The premium charged for the underinsured motorists coverage is dependent upon the limit selected.

CA 23 01—Explosives

Use this endorsement to exclude liability caused by the explosion of explosives made, sold or transported by the insured. No change in premium is normally associated with this endorsement.

This endorsement amends the liability coverage to clarify that the items listed in the schedule are to be considered mobile equipment and not autos. No change in premium is normally associated with this endorsement.

This endorsement clarifies that liability for items the insured makes, sells or distributes is not covered by this insurance after the insured has given up possession of the property. It excludes product coverage for rolling stores under the business auto coverage form. No change in premium is normally associated with this endorsement.

Use of this endorsement clarifies that no liability coverage exists if a liquid product is delivered to the wrong address or receptacle, or if the wrong type liquid is delivered. No change in premium is normally associated with this endorsement.

When this endorsement is added to the policy, liability coverage for the insured and any listed lessor is provided for vehicles the insured rents or leases with permission from the lessor. This insurance is excess over any other valid and collectible insurance. No change in premium is normally associated with this endorsement.

This insurance is designed principally for the protection of independent truckers who rent their trucks, tractors or tractor trailer units to others. It is popularly called "bobtail" or "dead heading" coverage. It protects the insured equipment owner against third party claims arising from driving exposures not related to carrying property in a business, hauling someone else's trailers, or operating under a rental arrangement; the "in-between-jobs" risk. While operating under a lease, the trucker is normally protected by the lessee's insurance.

Please refer to PF&M Section 223.6-1, Bobtail Or Dead Heading Liability Coverage for a detailed analysis.

When this endorsement is attached to a policy, the lessee named in the endorsement is considered an insured for the use of a vehicle the insured owns or hires on a primary basis. Any change in premium as a result of use of this endorsement is at the discretion of the insurer.

This endorsement provides physical damage for trailers and their equipment for the coverages in which a premium charge is shown. Fire or fire and theft may be selected. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

This endorsement amends the Business Auto Policy so that it responds to certain roundtrip trucking hazards associated with operating on federal highways. The operation has to be associated with deliveries under a bill of lading where the insured is acting as an initial carrier, owner (on a return haul) or a connecting carrier (defined as Master Contract Hazards).

This form modifies a Business Auto or a Truckers Coverage form so that it provide BI and PD liability coverage on behalf of the owner of Equipment Interchange Association (EIA) property that is involved in a loss while being used by the named insured. The form provides limits of $250/$500/$500 of a combined single limit of $1 million. The form obligates an insurer to send a copy of the endorsement and, if applicable, any termination notice to the EIA.

When this endorsement is attached to a Business Auto Policy, the liability for third persons or their property is covered for the liability assumed by the named insured as subscribing carrier under the Uniform Intermodal Interchange and Facilities Access Agreement and any subsequent amendments. A limit of liability must be shown as a single limit selected for both bodily injury and property damage. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

This endorsement provides liability coverage for hired, borrowed, or non-owned autos used in the insured's trucking operation. Physical damage to trailer interchange may be purchased. This endorsement once had a set $25 deductible for Specified Cause of Loss. The deductible now must be shown on the Declarations. Rates and premiums must be inserted for each of the coverages selected. Cost of hire or gross receipts may be used as the rating basis. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

This endorsement has been developed to provide coverage for trailers specifically used to haul seasonal agricultural produce. It does not apply to trailers used to transport livestock. This endorsement applies to trailers in excess of 2,000 pounds. A description of the trailers, the specific produce carried and the dates of the seasonal period must be scheduled. An additional premium is charged for each trailer shown.

The exclusion for employee indemnification and employer's liability can be amended to provide coverage for injury to leased workers by revising the definition of employee with this endorsement. Any change in premium as a result of this endorsement is at the discretion of the insurer.

This form is not an exclusion. It merely notifies the policyholder that losses subject to TRIA are going to be capped based on the amount required by the Terrorism Risk Act of 2002. Just as the Act does not say what will happen if the aggregate losses exceed $100,000,000,000, neither does the policy.

This exclusion is attached to a policy where the insured has been offered the opportunity to purchase the federal government terrorism coverage and has declined the offer. The declination could take place by an insured either signing a form stating that the coverage is not wanted or refusing to pay the associated premium.

Terrorism, which is not considered a certified act of terrorism, remains covered.

Two types of terrorism coverage are discussed in these forms. There is coverage for certified acts of terrorism. Those losses, however, are going to be capped based on the amount required by the Terrorism Risk Act of 2002. Just as the Act does not say what will happen if the aggregate losses exceed $100,000,000,000, neither does the policy.

There is no coverage for certain other acts of terrorism. The coverage is excluded if chemical or biological agents are used; or if the aggregate (not just from this policy) property damage exceeds $25,000,000; or if 50 or more persons are killed or suffer serious injury; or if nuclear or radiation is part of the attack.

Two types of terrorism coverage are discussed in these forms. There is coverage for certified acts of terrorism. Those losses, however, are going to be capped based on the amount required by the Terrorism Risk Act of 2002. Just as the Act does not say what will happen if the aggregate losses exceed $100,000,000,000, neither does the policy.

There is no coverage for certain other acts of terrorism. This coverage is excluded if there is a release of various types of nuclear, biological and chemical agents. Any other act of terrorism would be covered.

This exclusion addresses both types of terrorism. There is no coverage for certified acts of terrorism, which means that there is coverage if the terrorist action results in aggregate damage of less than $5,000,000. There is no coverage for nuclear, biological or chemical other acts of terrorism. This means that there remains coverage for all other types of terrorism.

This could be classified as the total terrorism exclusion. However, the definition of terrorism cannot be forgotten. There is no coverage for terrorism as described in the endorsement but there is coverage for acts that look like terrorism, provided:

• It is a certified action with less than $5,000,000 in aggregate losses.
• It is not a certified action but with less than $25,000,000 property damage; less than 50 deaths or serious injuries; and does not involve nuclear, chemical or biological agents.

This exclusion is only attached to a policy that covers the Certified Acts of Terrorism. It excludes all punitive damage that results from any Certified Act of Terrorism.

This exclusion is meant as a stopgap form. It is to be attached to a policy that is in effect and which has a terrorism exclusion attached. On renewal, the old terrorism exclusion and this form would be removed and replaced by CA 23 56, CA 23 57, CA 23 58, CA 23 59, CA 23 60 or CA 23 61.

This endorsement removes all terrorism exclusions and provides the cap on certified losses.

This exclusion is meant as a stopgap form. It is to be attached to a policy that is in effect and which has a terrorism exclusion attached. On renewal, the old terrorism exclusion and this form would be removed and replaced by CA 23 56, CA 23 57, CA 23 58, CA 23 59, CA 23 60 or CA 23 61.

This endorsement only removes the terrorism for certified acts. The rest of the exclusion remains in effect.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

For more, general, information on this issue, please refer to PF&M Section 310.6, Terrorism Coverage Endorsements.

This form, introduced in the 03 06 edition of the BAP program, excludes owned auto losses involving claims of damage or injury involving exposure to silica or related materials.

CA 24 01—Farm Labor Contractors

When this endorsement is purchased, liability coverage is provided for the insured while transporting migrant agricultural workers and registers the insured in accordance with the Migrant and Seasonal Agricultural Worker Protection Act, 29 U.S.C.A. Section 1801. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

When the covered vehicle is licensed or used for public transport, the care, custody or control exclusion does not apply to property of passengers carried in a covered auto. Any change in premium as a result of this endorsement is at the discretion of the insurer.

CA 26 01—Single Interest Automobile Physical Damage Insurance Policy (Individual Policy Form)

This policy provides physical damage coverage to the seller of a vehicle caused by the retail purchaser of that specified auto. This is a self-contained policy and applies specifically to one purchase. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

This policy provides physical damage coverage to the seller of vehicles caused by the retail purchaser of those autos. This is a self-contained policy and applies on a blanket basis for dealers. The formula for the computation of the increase in premium is found in the ISO Business Auto Rating Program.

This endorsement is used in connection with CA 26 01 or CA 26 02 to add either a $100 or $250 deductible to the physical damage coverages provided by those single interest policies. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

CA 99 03—Auto Medical Payments Coverage

When this endorsement is added to a policy, coverage is provided for auto medical payments for reasonable expenses for medical and funeral services as a result of an accident. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program. Please refer to PF&M Section 220.6-30, Auto Medical Payments Coverage for a detailed analysis.

The provisions of the applicable Business Auto Coverage Form are broadened by this endorsement to include, as an insured, the individual and that individual's spouse (however, no other family members are automatically included) that is specifically designated or scheduled in this endorsement. Each coverage that applies to the scheduled individuals must be selected and the premium charged. The individual may choose to be covered for liability, auto, medical payments, uninsured motorists, underinsured motorist, physical damage-comprehensive, physical damage-collision or all of those coverages. An entry showing the premium charged for that coverage is the trigger to indicate that the coverage applies. For a detailed analysis, please refer to PF&M Section 220.6-1, Drive Other Car Coverage—Broadened Coverage For Named Individuals Endorsement.

This endorsement clarifies that the liability coverage provided does not apply to any damages that occurred before the insured had fiduciary responsibilities for which the insured is liable. No change in premium is normally associated with this endorsement.

Use of this endorsement provides limited physical damage coverage for the autos that are scheduled. The coverages that apply are triggered by an insertion of premium by the appropriate coverage. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

Any land motor vehicle or trailer owned or leased by the insured that is designed for travel on public roads is considered an auto and not mobile equipment if the only reason it may be considered mobile equipment is that it is used on roads owned by the insured. No change in premium is normally associated with this endorsement.

This endorsement makes the nonowned auto that is specified or scheduled in the endorsement to be treated as a covered auto. This form applies to either liability or physical damage coverages.

Nonowned Coverage is provided for the named insured and family members; however, this endorsement should not be used as a replacement for a personal auto policy. This endorsement offers only a partial remedy and a thorough review of each individual and their circumstances is necessary. Normally, no charge is associated with this endorsement. Please refer to PF&M Section 220.6-2, Individual Named Insured Endorsement for a detailed analysis.

When a covered auto that has been scheduled in the endorsement has been damaged by a covered cause of loss, rental reimbursement is provided for that auto. Total payment is subject to the maximum limit shown for any one day, the number of days indicated and the total amount shown for any one period. Several limitations or exclusions apply. For instance, if other spare or reserve autos are available, the coverage does not apply. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

By using this endorsement, the limit of insurance for the liability coverages is changed from a single limit to a split limit for bodily injury liability each person, bodily injury each accident, and property damage each accident. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

For those vehicles that are scheduled in the endorsement, the limit for the physical damage coverages is changed to the least expensive option for settling among the actual cash value, the cost to repair, or replace or the limit that is specified in the endorsement schedule. An adjustment is made for depreciation plus any repair that improves the vehicle must be paid for by the insured. The formula for the computation of the increase in premium is found in the ISO Business Auto Rating Program.

For the additional premium stated, this endorsement extends physical damage coverage for tapes, records and discs in covered autos for up to $200. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

Use of this endorsement extends liability coverage to employees while using covered nonowned autos for business or personal affairs of the insured. Normally, no charge is associated with this endorsement.

This endorsement is designed for social services agencies to cover volunteers. Anyone who is volunteering services to the insured is covered while using covered nonowned vehicles to transport clients or other people to activities necessary to the business of the insured. Coverage is also extended to the owners of the non-owned autos. Any additional charge for the use of this endorsement is at the discretion of the insurer.

Physical damage losses are provided for the coverages selected, at the locations listed for damage or injury to customer's vehicles in the insured's care, custody and control. This is a bailees' coverage for operations that repair, service, attend, park or store the automobiles of others. The maximum limit per location, as well as a deductible, needs to be selected and inserted for each of the coverages. Coverage may be selected on a primary or an excess basis over any other collectible insurance. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program. Please refer to PF&M Section 220.6-4, Garagekeepers Endorsement for a full discussion.

When a covered auto is insured with another policy or coverage for liability, this endorsement can be used to exclude the Liability Coverage completely for the scheduled vehicle, activate coverage on the specified vehicle when the other insurance expires, or make this insurance excess over the other policy for the specified vehicle only. Any reduction in premium for the use of this endorsement is at the discretion of the insurer.

This endorsement adds the provisions that apply to the payment of loss when a loss payable is shown on the policy. This endorsement is not applicable in WA. Normally, no charge is associated with this endorsement.

Any auto described in the schedule that is leased to the insured by an employee is considered a covered owned auto for liability purposes, and that employee is considered an insured. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

Using this endorsement changes the pollution exclusion for liability in the coverage form by excluding only the liability assumed under a contract or agreement. Any additional charge for the use of this endorsement is at the discretion of the insurer.

This endorsement may be used to add a covered auto symbol to any of the Business Auto Coverage Forms and then manuscript a definition for that symbol to describe what is to be considered a covered vehicle.

Please refer to PF&M Section 220.6-4, Garagekeepers Endorsement for a detailed analysis of this endorsement.

This is a buyback endorsement for physical damage coverage to audio, visual, and data electronic equipment that is excluded in the coverage form. This buyback applies only to the equipment that is permanently installed or is removable from the housing units that are permanently installed. If repair or replacement involves a betterment, the insured may pay for the improvement. Those autos that are covered by this endorsement must be scheduled and a $100 deductible applies. The formula or components for the computation of the increase in premium are found in the ISO Business Auto Rating Program.

Use of this endorsement adds the provisions that apply to the payment of loss when a loss payable is shown on this endorsement for audio, visual and data electronic equipment. This endorsement cannot be used in Washington. Normally, no charge is associated with this clause.

Part of the coverage for Hired Auto Physical Damage is that the company will pay the expenses an insured must pay under a written rental contract or agreement. The coverage depends on the coverage selected for any covered "auto" on the policy declarations. There is a limit of $20 per day with a $600 maximum. If higher limits are needed, this endorsement is to be used.

IL 00 03—Calculation of Premium

This endorsement states that the company will use the rules and rates in effect at the time of renewal or anniversary date, etc., of the policy. No premium is associated with this endorsement.

This mandatory endorsement provides common policy conditions. No premium is associated with this endorsement.

This endorsement excludes hazards relating to nuclear energy liability. It is attached to all policies. No premium is associated with this endorsement. Please refer to PF&M Section 270.6-2, Nuclear Energy Liability Exclusion for coverage details.

When attached to a policy with the Retrospective Premium Endorsement attached, this endorsement eliminates the requirement making the computation of the retrospective premium to be final. It also clarifies the computation intervals of the premium.

This endorsement provides space for signature to comply with the countersignature laws and regulations of various states. Any rate increase or premium change associated with this endorsement is at the discretion of the insurer.

This endorsement provides for the retrospective rating of a policy and contains a schedule for the development of premium for the one-year plan.

This endorsement provides for the retrospective rating of a policy and contains a schedule for the development of premium for the three-year plan.

This endorsement provides for the retrospective rating of long-term construction projects and contains a schedule for the development of premium.

This endorsement permits the addition of a policy into an existing retrospective premium endorsement rating procedure.

This endorsement exempts the scheduled exposures from application of the retrospective rating agreement.

This endorsement deletes the reference to any Retrospective Development Factors in the states scheduled.

This is a generic change endorsement to permit various changes to impact all coverage parts contained in the policy. The premium associated with this endorsement depends upon the changes made.