CA 00 01 Business Auto Coverage Form

An Insurance Services Office (ISO) standard form. It provides covered autos liability and physical damage coverage for the autos shown by symbol in the declarations.

1. 09 27 edition

   Sep 2027, compared with 11 20Latest edition

   Filed by Insurance Services Office in 27 states since August 2026. No carrier filings list it yet.

   • New physical damage exclusion for the vehicle's computer system, including cyber incidents.

     11 20

     Not in this edition

     09 27

     “Failure, malfunction or inadequacy of the covered "auto's" "computer system"”

   • New exclusion for personal or confidential data stored in the vehicle, and for non-original recording media.

     11 20

     Not in this edition

     09 27

     “Portable non-original manufacturer recording or storage media”

   • Trailer coverage turns on use, not physical connection.

     11 20

     “is a "trailer" connected to a covered "auto" you own”

     09 27

     “is a "trailer" used with a covered "auto" you own”

   • Wear and tear is split from mechanical breakdown in the physical damage exclusions.

     11 20

     “Wear and tear, freezing, mechanical or electrical breakdown.”

     09 27

     “Mechanical or electrical breakdown or malfunction.”

   • Adds definitions of "computer system", "cyber incident", "operational data" and "personal or confidential information or material".

2. 11 20 edition

   Nov 2020, compared with 10 13

   • Higher limits for rental and loss of use after theft.

     10 13

     “up to $20 per day, to a maximum of $600”

     11 20

     “up to $30 per day, to a maximum of $900”

   • Caps the deductible for one theft, vandalism or other comprehensive event.

     10 13

     Not in this edition

     11 20

     “five times the highest deductible applicable to any one covered "auto"”

   • Towing and labor extends to light and medium trucks.

     10 13

     “a covered "auto" of the private passenger type is disabled”

     11 20

     “a covered "auto" that is a private passenger type, light truck or medium truck is disabled”

   • Small trailers are measured by registered weight rating.

     10 13

     “"Trailers" with a load capacity of 2,000 pounds or less”

     11 20

     “"Trailers" with a registered Gross Vehicle Weight Rating of 3,000 pounds or less”

   • Adds a liability exclusion for unmanned aircraft.

     10 13

     Not in this edition

     11 20

     “arising out of the ownership, maintenance or use of "unmanned aircraft"”

Shows the main changes in a long form. Not every wording change is listed.

5 other edition dates appear in one or two filings each, often carrier-specific versions: 05 22, 12 18, 10 01, 11 00, 11/01/2020.

Where filings record what this form replaced, they name earlier editions 10 13, 03 06. Only some filings record replacements.

• Edition in use: in the past 12 months, 47 companies filed the 11 20 edition and 14 companies filed 10 13.
• The latest edition, 09 27, has been filed by Insurance Services Office, Inc in 27 states since Aug 20, 2026. No carrier filings list it yet.
• CA 20 01 (Lessor - Additional Insured and Loss Payee) is filed alongside it most often, in 294 of the same filings (59%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Progressive GroupUses CA 00 01 in 6 filings
• Travelers GroupUses CA 00 01 in 65 filings
• Berkshire Hathaway GroupUses CA 00 01 in 49 filings
• Old Republic GroupFiles its own version: BA 10 00 Business Auto Coverage Form (6 states)
• Liberty Mutual GroupUses CA 00 01 in 1 filing

• CA 20 01Lessor - Additional Insured and Loss Payee294 filings
• CA 20 15Mobile Equipment284 filings
• CA 99 44Loss Payable Clause272 filings
• CA 20 54Employee Hired Autos270 filings
• CA 20 48Designated Insured for Covered Autos Liability Coverage264 filings
• CA 99 28Stated Amount Insurance262 filings
• CA 23 17Truckers - Uniform Intermodal Interchange Endorsement Form UIIE - 1261 filings
• CA 04 49Primary and Noncontributory - Other Insurance Condition247 filings
• CA 99 10Drive Other Car Coverage - Broadened Coverage for Named Individuals247 filings
• CA 99 23Rental Reimbursement Coverage246 filings