What it does
CA 20 48 lists, in a schedule, persons or organizations that are "insureds" for Covered Autos Liability Coverage. The form itself says it identifies insureds and "does not alter coverage provided in the Coverage Form": each scheduled party is an insured only to the extent it qualifies under the Who Is An Insured provision of the business auto, motor carrier or auto dealers form. In practice that usually means the scheduled party is covered for liability arising out of the named insured's conduct, through the coverage form's grant to anyone liable for the conduct of an insured. The 10 13 edition retitled the form (formerly "Designated Insured") to match the 2013 "Covered Autos Liability" terminology.
Who needs it
Contractors and subcontractors, delivery and service vendors, franchisees, tenants and anyone whose contract requires the other party to be an additional insured on auto liability. It is the endorsement most often attached in response to a certificate request.
Key points
- The schedule must name each organization (or the carrier must use a blanket version of its own); unscheduled parties get nothing from this form.
- It does not make coverage primary or waive subrogation. Add CA 04 49 for primary and noncontributory wording and CA 04 44 or CA 04 43 for a waiver.
- It does not create coverage for the additional insured's own independent negligence or its own autos.
Quoting and selling notes
Read the contract's insurance clause: many require "additional insured on a primary and noncontributory basis with waiver of subrogation," which takes three endorsements. Ask whether the carrier offers a blanket additional insured endorsement before scheduling dozens of names. For leased autos, the lessor wording in CA 20 01 is the better fit.
