1. Forms
  2. IL
  3. IL-01-20

What it is

IL 01 20 is ISO's Pennsylvania Changes – Defense Costs endorsement. Carrier forms schedules filed in Pennsylvania through SERFF list it with the 10 13 edition. Examples are a 2025 commercial trucking program and a commercial auto filing effective in 2027. It is attached to Pennsylvania policies whose coverage parts include a duty to defend.

How it fits with other forms

  • ISO issues state "defense costs" endorsements where state law or regulation affects how an insurer may treat defense costs. That includes whether it can seek reimbursement of costs spent defending claims later found not to be covered.
  • The Illinois version, IL 01 62, gives the insurer a right to reimbursement only for defense costs incurred after written notice of a reservation of rights. Pennsylvania's version is a separate endorsement with its own state-specific terms, so read IL 01 20 itself rather than assuming the Illinois wording.
  • Pennsylvania policies usually also carry IL 02 46 (cancellation and nonrenewal) and IL 09 10 (Pennsylvania Notice).

Quoting and selling notes

  • When a Pennsylvania insured receives a reservation of rights letter, review IL 01 20 to see what the insurer may do about defense costs if coverage is later denied.
  • Expect it on Pennsylvania liability and auto policies, especially trucking and transportation programs.