ISO · Auto Liability
CA 20 48
Designated Insured for Covered Autos Liability
Designated Insured For Covered Autos Liability Coverage (ISO Business Auto Policy)
Adds a scheduled person or organization as an Insured under the Business Auto Policy for covered-autos liability — the auto-liability equivalent of CG 20 10.
What it does
The Business Auto Policy uses 'Designated Insured' rather than 'Additional Insured' for parties added to the policy by endorsement, but the practical effect is the same. CA 20 48 grants insured status to a scheduled party for liability arising out of the use of any covered auto. Lessors of leased vehicles, motor carriers running owner-operator equipment under lease, and any party with a contractual right to auto-liability coverage typically require this form. Without it, the BAP's Who Is An Insured definition excludes the scheduled party.
When you need it
- Vehicle leases where the lessor requires Designated Insured status on the lessee's BAP.
- Motor carriers operating leased trucks under owner-operator arrangements where the owner-operator requires status on the motor carrier's auto liability.
- Service agreements involving auto use where the customer requires auto-liability protection.
Common mistakes
- Using a GL Additional Insured form (CG 20 10) for an auto-liability requirement — auto liability is a separate policy and requires CA 20 48 on the BAP.
- Missing the form on a leased-vehicle exposure — the lessor typically requires Designated Insured status as a condition of the lease.
- Confusing Designated Insured with Loss Payee — Loss Payee handles physical damage payouts, Designated Insured handles liability coverage.
Verifying CA 20 48 on a real certificate?
Bindly Compliance auto-verifies endorsement attachment, named parties, and edition dates on every COI we track. Description-only language and missing forms surface as deficiencies in your dashboard before they become claims.