What it does
CA 28 03 adds an abuse or molestation exclusion to Covered Autos Liability. The Massachusetts residual market manual describes its purpose: "to exclude damages arising out of the actual, alleged or threatened abuse or molestation including, but not limited to, sexual abuse or sexual molestation of any person committed by anyone." It first appeared in ISO's 2022 abuse or molestation package (09 22 edition, policyholder notice CA P 013 09 22) and the current edition is 12 23.
Who sees it
Insurers attach it to accounts that transport vulnerable people: school bus and student transport contractors, day care centers, social service agencies, group homes, paratransit and nonemergency medical transport, churches and youth programs. Texas has its own version (CA 28 04).
Selling notes
- Abuse can happen in a vehicle: a driver or another passenger harming a child or vulnerable adult. With CA 28 03 attached, the auto policy will not respond to those claims.
- Look for abuse or molestation coverage elsewhere, such as a CGL or professional policy that grants it, or a stand-alone abuse policy, and check whether those policies extend to incidents in autos.
- The general liability and acts, errors or omissions version for the auto dealers form is CA 27 21.
