CA 00 25 Auto Dealers Coverage Form

An Insurance Services Office (ISO) standard form. It is the commercial auto coverage form for auto dealers, combining covered autos liability, physical damage and garagekeepers coverage with general liability and acts, errors or omissions liability for auto dealer operations.

1. 09 27 edition

   Sep 2027, compared with 11 20Latest edition

   • Physical damage coverage now excludes loss from failure or malfunction of the auto's computer system, including failure caused by a cyber incident, unless the auto is totally stolen.

     11 20

     Not in this edition

     09 27

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

   • Physical damage coverage does not pay for loss to personal or confidential information stored in or used by the auto's computer system.

     11 20

     Not in this edition

     09 27

     “We will not pay for "loss" to "personal or confidential information or material"”

   • New exclusions apply to the general liability and acts, errors or omissions coverages for violations of laws addressing data privacy.

     11 20

     Not in this edition

     09 27

     “Violation Of Law Addressing Data Privacy”

   • A trailer's liability coverage is primary or excess based on the vehicle it is used with, not only the vehicle it is connected to.

     11 20

     “Excess while it is connected to a motor vehicle you do not own”

     09 27

     “Excess while it is used with a motor vehicle you do not own”

2. 11 20 edition

   Nov 2020, compared with 10 13

   • An auto leased or rented to you without a driver for at least six months, under an agreement requiring you to insure it on a primary basis, is treated as a covered auto you own.

     10 13

     Not in this edition

     11 20

     “for a continuous period of at least six months that requires you to provide primary insurance”

   • Small trailers covered automatically are now defined by a registered gross vehicle weight rating of 3,000 pounds or less, instead of a 2,000 pound load capacity.

     10 13

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

     11 20

     “registered Gross Vehicle Weight Rating of 3,000 pounds or less”

   • The transportation expense limit for loss of use rises from $20 a day up to $600 to $30 a day up to $900.

     10 13

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

     11 20

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

   • New exclusions are added for unmanned aircraft and for access to or disclosure of confidential or personal information.

     10 13

     Not in this edition

     11 20

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

Where filings record what this form replaced, they name earlier edition 10 13 and other forms 10 13. Only some filings record replacements.

• Edition in use: in the past 12 months, 27 companies filed the 11 20 edition and 3 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 00 01 (Business Auto Coverage Form) is filed alongside it most often, in 204 of the same filings (98%).

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

• Berkshire Hathaway GroupUses CA 00 25 in 1 filing

• CA 00 01Business Auto Coverage Form204 filings
• CA 20 33Autos Leased, Hired, Rented or Borrowed with Drivers - Physical Damage Coverage179 filings
• CA 23 30Motor Carrier Endorsement174 filings
• CA 00 20Motor Carrier Coverage Form173 filings
• CA 04 39Volunteer Hired Autos170 filings
• CA 20 54Employee Hired Autos170 filings
• CA 99 05Business Interruption Coverage170 filings
• CA 25 09Additional Insured - General Liability Coverages - Owners of Leased or Rented Land or Premises167 filings
• CA 04 52On-Hook Coverage166 filings
• CA 25 46Additional Insured - General Liability Coverages - Co- Owner of Insured Premises166 filings