What it does
The business auto form's Other Insurance condition deems any auto the insured leases, hires, rents or borrows to be an owned covered auto for Hired Auto Physical Damage, but adds that "any 'auto' that is leased, hired, rented or borrowed with a driver is not a covered 'auto'." CA 20 33 is ISO's endorsement for buying physical damage on autos hired with drivers, as its title states. The current edition is 11 20.
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
Contractors that hire dump trucks with drivers, shippers that hire tractors with drivers for peak seasons, and businesses whose rental contracts make them responsible for damage to vehicles supplied with operators.
Key points
- Liability for autos hired with drivers is a separate question; the driver's employer or the vehicle owner is often the primary liability carrier.
- Read the hire contract to see whether the hirer actually bears responsibility for damage to the truck; many with-driver contracts leave it with the owner.
Quoting notes
Collect the number of units hired with drivers, typical values and contract terms. Companion endorsements for hired autos without drivers are the coverage form's hired auto physical damage and, for employee rentals, CA 20 54.
