CA 20 20 is an ISO commercial auto endorsement used in the emergency-services program. Its title identifies an exclusion involving injuries to volunteer firefighters and workers. It changes a policy only when the endorsement and applicable edition are actually attached.
What does CA 20 20 address?
An insurer bulletin describing the ISO emergency-services update lists CA 20 20 as “Emergency Services — Volunteer Firefighters' And Workers' Injuries — Exclusion.”[1] The endorsement addresses injury coverage for specified people and circumstances defined in the attached text. Because exclusion wording is exact, a summary cannot establish whether a particular injury is covered.
How is it different from CA 20 07?
The same program materials list CA 20 07 as a limited exclusion and CA 20 20 as a separate exclusion form.[1] Do not treat the two codes as substitutes. Verify the complete form number, edition date, and schedule or policy references before comparing their effects.
What should an organization review?
Confirm which paid employees, volunteers, members, or other workers use covered autos and in what roles. The commercial auto symbols guide can help identify which vehicles the policy treats as covered autos. Review how the organization handles occupational injuries, volunteer injuries, mutual-aid operations, and travel outside its ordinary territory. Then compare the proposed auto endorsement with workers compensation, employers liability, volunteer accident, and any other relevant coverage.
The absence of coverage under one policy does not prove another policy responds. Coverage depends on each contract, applicable law, and the facts of the event.
Where can you see the actual wording?
Ask the agent or insurer for the exact endorsement included in the quote or policy. ISO forms are copyrighted, so Menlo does not reproduce the blank form. Read the attached edition rather than relying on a form-number summary.
Frequently asked questions
Does CA 20 20 exclude every injury to a volunteer firefighter?
Do not assume that from the title alone. The attached endorsement defines the people, injury, and circumstances within its scope, and the entire policy must be read together.
Can another policy fill the gap?
Possibly, but only if that policy's terms apply. Coordinate the commercial auto program with occupational and volunteer injury coverages before a loss.
The Bottom Line
CA 20 20 is a consequential emergency-services exclusion, not a routine administrative form. Obtain the attached edition, identify who drives and works, and review the complete insurance program with a licensed professional.
This guide is educational and identifies CA 20 20 in original language. ISO forms are copyrighted by Insurance Services Office, Inc. Menlo is not affiliated with ISO. The issued policy controls.
References
- 1.The Andover Companies. “Changes to Commercial Auto Policy Rates, Rules and Forms.” Accessed September 2026. https://www.eatonberube.com/wp-content/uploads/2013/08/Changes-to-Commercial-Auto-Policy-Rates-Rules-and-Forms.pdf ↩