What it does
CA 04 39 is the volunteer counterpart to Employee Hired Autos CA 20 54. When a volunteer rents or hires an auto in the volunteer's own name to perform duties for the named insured, the endorsement treats that rental as a covered auto under the policy. The Massachusetts residual market manual describes its use exactly that way: "If a volunteer rents or hires an auto in a volunteer's name for the purposes of performing duties related to the insured's business, use Volunteer Hired Autos Endorsement CA 04 39." It was added with the 11 20 multistate revision.
ISO's 2026 multistate forms revision (CA-2026-OFR26) introduces a 09 27 edition of this form, approved for policies effective on or after September 1, 2027 in states where it has been adopted; the prior edition remains in use until then and in states that have not adopted the revision.
Who needs it
Organizations that rely on volunteers for transport, events, disaster response, youth activities or outreach and that let volunteers rent vans or cars personally and seek reimbursement.
Key points
- The policy must already provide hired auto coverage for the endorsement to have something to apply to.
- Volunteers driving their own cars are a different exposure: CA 05 24 Non-Ownership Liability Coverage For Volunteers, or CA 99 34 for social service agencies.
Quoting and selling notes
Ask the organization how volunteer travel is arranged and whether rentals ever go on volunteers' cards. Pair with a volunteer driver policy (license checks, age limits) because underwriters will ask.
