1. Forms
  2. CA
  3. CA-00-25

What it does

The Auto Dealers Coverage Form was introduced with ISO's 2013 multistate revision and replaced the Garage program for dealers in most jurisdictions beginning October 2013. The form packages the dealer's auto exposure with general liability coverages (including personal and advertising injury and locations and operations medical payments) and a new acts, errors or omissions section. The current multistate edition is 11 20.

ISO's 2026 multistate forms revision (CA-2026-OFR26) introduces a 09 27 edition of this form, approved for policies effective on or after September 1, 2027 in states where it has been adopted; the prior edition remains in use until then and in states that have not adopted the revision.

Who needs it

Franchised and non-franchised dealers of private passenger autos, trucks and tractors, motorcycles, recreational vehicles, and trailer dealers. Non-dealer garages (repair shops, service stations, parking) are written instead on a CGL policy plus the Business Auto Coverage Form with garagekeepers added by endorsement.

Key provisions

  • Symbols 21-31: 21 any auto through 29 non-owned autos used in the dealership, plus 30 for customers' autos left for service, repair, storage or safekeeping (garagekeepers) and 31 for dealers' autos described on the declarations for physical damage.
  • Covered autos liability works like the business auto form, with defense outside the limit and covered pollution cost or expense.
  • Rating manuals distinguish risks with and without the Full Covered Autos Liability Limit For Customers option (endorsement CA 25 15); without it, customers are covered only up to financial responsibility limits when they have no other insurance.
  • Dealer physical damage on inventory, false pretense coverage (CA 25 03) and drive-away collision are dealer-specific options.

Quoting and selling notes

  • Collect plate counts, payroll by class, inventory values by location (including floor plan), service bay counts and the value of customers' cars on premises.
  • Confirm the general liability pieces the dealer needs (products, completed operations, personal and advertising injury) and whether any are excluded by endorsement, such as CA 25 50, CA 25 53 or CA 25 54.
  • Pollution broadened coverage for dealers is CA 99 55.