What it does
Some vehicles, such as those carrying permanently mounted equipment, fit the policy's "mobile equipment" definition and are therefore covered (if at all) under general liability rather than the auto policy. CA 20 15 lets the insured schedule such vehicles and treat them as covered autos:
- The endorsement provides only the coverages for which a premium is shown (covered autos liability, auto medical payments, PIP, UM/UIM, comprehensive, collision, specified causes of loss), each only for the scheduled vehicles.
- The scheduled vehicles are considered covered autos and not mobile equipment.
- Covered Autos Liability does not apply to bodily injury, property damage or covered pollution cost or expense resulting from the operation of machinery or equipment on, attached to or part of those vehicles; that operational exposure stays with general liability.
The current edition is 11 20.
Who needs it
Contractors, utilities, landscapers and municipalities whose equipment-carrying vehicles travel public roads and need auto liability and physical damage.
Quoting notes
Coordinate with the CGL so the machinery operation exposure is covered there. Vehicles subject to a motor vehicle insurance law are already autos (symbol 19 picks them up); CA 20 15 is for the remaining equipment-type vehicles. The opposite tool, CA 23 03, declares scheduled vehicles to be mobile equipment.
