What it was
The Garage Coverage Form was ISO's combined policy for "garage operations": auto liability, premises and operations liability, garagekeepers coverage for customers' autos and physical damage for dealers' inventory. Its last multistate edition was 03 10.
Status
With the 2013 multistate revision ISO introduced the Auto Dealers Coverage Form CA 00 25 and withdrew the Garage program in most jurisdictions. The 2013 endorsement editions strike the Garage Coverage Form from the list of forms they modify and add the Auto Dealers Coverage Form. Its declarations, CA DS 09, was not revised in 2013.
What replaced it
- Dealers: CA 00 25 with CA DS 26 declarations.
- Repair shops, service stations, parking and other auto service risks: a CGL policy for premises and operations plus the Business Auto Coverage Form CA 00 01, with garagekeepers added by CA 99 37 and on-hook coverage for towing by CA 04 52.
Selling notes
Agents still see CA 00 05 on older policies, prior-carrier dec pages and some state-specific programs where an insurer kept its filing. When re-marketing such an account, map each garage coverage to its replacement: liability for garage operations goes to the CGL, auto liability and physical damage to CA 00 01 or CA 00 25, and garagekeepers to CA 99 37 or the dealer form's symbol 30.
