Coverage description
An Insurance Services Office (ISO) standard form. It treats autos described in the schedule as covered autos you own rather than hired autos, and makes the owner or anyone you rent or lease such an auto from an insured, but only for that auto.
How the form has changed
2 changes across 2 revisions, newest first. Each edition is compared with the one before it, using wording from filed copies.
10 13 edition
Oct 2013, compared with 03 10Latest editionThe owner or lessor is again an insured for the scheduled auto while it is rented or leased to you and used by or for you, instead of only for injury or damage caused by you, your employees or agents, or permitted drivers.
03 10
“the owner or lessor is an "insured" only for "bodily injury" or "property damage" resulting from the acts or omissions by”
10 13
“its owner or anyone else from whom you rent or lease it is an "insured" but only for that covered "auto"”
03 10 edition
Mar 2010, compared with 12 93The owner or lessor named in the schedule is an insured only for bodily injury or property damage caused by you, your employees or agents, or someone driving with permission, instead of for any use of the auto by or for you.
12 93
“its owner or anyone else from whom you rent or lease it is an "insured" but only for that covered "auto"”
03 10
“the owner or lessor named in the Schedule”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 10 13Oct 2013Latest | 307 | 139 | 44 | Nov 2021 to Aug 2026 |
| 03 10Mar 2010 | 8 | 6 | 5 | Jun 2022 to Jan 2026 |
| 12 93Dec 1993 | 4 | 6 | 4 | Dec 2022 to Jun 2026 |
What the filings show
- Edition in use: in the past 12 months, 59 companies filed the 10 13 edition and 2 companies filed 12 93.
- CA 20 48 (Designated Insured for Covered Autos Liability Coverage) is filed alongside it most often, in 302 of the same filings (95%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.
Carriers filing this form
The 10 carrier groups with the most filings that include CA 99 16, out of 66 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Clear Blue Financial Group2 group companies filed it, led by Clear Blue Insurance Company and Rock Ridge Insurance Company | 39 | 35 | 10 13 | Jun 17, 2026 |
| OBS Holdings Group2 group companies filed it, led by Obsidian Insurance Company and Obsidian Pacific Insurance Company | 38 | 36 | 10 13 | Apr 17, 2023 |
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 17 | 15 | 10 1312 93 | Jul 12, 2024 |
| Nationwide Corporation Group11 group companies filed it, led by Allied Insurance Company of America and Nationwide Mutual Insurance Company | 16 | 7 | 10 13 | Apr 7, 2026 |
| Arch Insurance Group3 group companies filed it, led by Arch Indemnity Insurance Company and Arch Insurance Company | 14 | 2 | 10 13 | Apr 8, 2026 |
| OLD Republic Group4 group companies filed it, led by BITCO General Insurance Corporation and BITCO National Insurance Company | 13 | 1 | 10 13 | May 11, 2026 |
| Berkshire Hathaway Group10 group companies filed it, led by National Liability and Fire Insurance Company and National Indemnity Company | 12 | 5 | 10 1312 93 | Jun 24, 2026 |
| MS & AD Insurance Group3 group companies filed it, led by Transverse Insurance Company and Mitsui Sumitomo Insurance Company of America | 11 | 6 | 10 13 | Sep 4, 2025 |
| Liberty Mutual GroupState Automobile Mutual Insurance Company | 10 | 1 | 10 13 | Jun 17, 2026 |
| Scor GroupGeneral Security National Insurance Company | 10 | 1 | 10 13 | Jun 9, 2026 |
How the largest insurers handle CA 99 16
Groups among the largest commercial auto insurers that filed CA 99 16 or their own version in the past five years.
- Progressive GroupUses CA 99 16 in 2 filings
- Travelers GroupUses CA 99 16 in 62 filings
- Berkshire Hathaway GroupUses CA 99 16 in 4 filings
See more forms
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States
Number of filings that include CA 99 16 in each state, Oct 2021 to Aug 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CA 20 48Designated Insured for Covered Autos Liability Coverage302 filings
- CA 99 33Employees as Insureds297 filings
- CA 04 44Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation)280 filings
- CA 99 30Tapes, Records and Discs Coverage280 filings
- CA 23 05Wrong Delivery of Liquid Products279 filings
- CA 99 10Drive Other Car Coverage - Broadened Coverage for Named Individuals278 filings
- CA 04 49Primary and Noncontributory – Other Insurance Condition272 filings
- CA 20 55Fellow Employee Coverage269 filings
- CA 99 48Pollution Liability – Broadened Coverage for Covered Autos – Business Auto and Motor Carrier Coverage Forms269 filings
- CA 20 01Lessor – Additional Insured and Loss Payee264 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Aug 28, 2026 | Jet Insurance Company | SC | 10 13 | MRTN-134878222 |
| Jul 8, 2026 | Colorado Farm Bureau Insurance Company | CO | 10 13 | SFBC-135011078 |
| Jun 30, 2026 | Accredited Surety and Casualty Company, Inc. | CO | 10 13 | ACSA-135005169 |
| Jun 26, 2026 | Grange Insurance Association | CO | 10 13 | GRIA-135000193 |
| Jun 25, 2026 | Selective Insurance Company of Americaand 3 more | CO | 10 13 | SELC-134998854 |
| Jun 24, 2026 | Great American Alliance Insurance Companyand 3 more | CO | 10 13 | GACX-134993563 |
| Jun 24, 2026 | National Indemnity Companyand 1 more | VA | 12 93 | NTIN-134833875 |
| Jun 19, 2026 | Addison Insurance Companyand 1 more | CO | 10 13 | UNFG-134905846 |
| Jun 18, 2026 | Atlantic Specialty Insurance Company | SC | 10 13 | BEAC-134983501 |
| Jun 18, 2026 | Sompo America Fire and Marine Insurance Companyand 1 more | CO | 10 13 | SMPJ-134972831 |
| Jun 17, 2026 | Society Insurance, a mutual company | CO | 10 13 | SCTY-134960697 |
| Jun 17, 2026 | State Automobile Mutual Insurance Company | CO | 10 13 | STAT-134983292 |
Most filed ISO CA forms
- CA DS 03 Business Auto Declarations
- CA DS 21 Motor Carrier Declarations
- CA 00 01 Business Auto Coverage Form
- CA 28 03 Abuse Or Molestation Exclusion For Covered Autos Liability Exposure
- CA 23 17 Truckers - Uniform Intermodal Interchange Endorsement Form UIIE - 1
- CA 04 43 Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation) - Automatic When Required By Written Contract Or Agreement
- CA 04 44 Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)
- CA 04 49 Primary and Noncontributory - Other Insurance Condition
- CA 20 01 Lessor - Additional Insured And Loss Payee
- CA 20 48 Designated Insured For Covered Autos Liability Coverage
- CA 00 20 Motor Carrier Coverage Form
- CA 20 71 Auto Loan/Lease Gap Coverage
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