The Insurance Services Office (ISO) CA 00 01-Business Auto Coverage Form is the primary commercial auto coverage form. It is not designed for a specific type of business, so it can handle any commercial operation’s vehicle loss exposures. It is impressive because it is not presumptuous. It simply shows up and does its job of protecting a business against common causes of loss incurred through the ownership, maintenance, or use of motor vehicles. Examples of businesses eligible for coverage include:
- A chain of pizza stores that delivers to homes and businesses
- A taxi business
- A manufacturer that transports its product to wholesalers
- A uniform supply business with a fleet that picks up and delivers work clothing and accessories
- An appliance superstore that delivers big-ticket items, such as large screen high-definition televisions, refrigerators, and cooking ranges
The ISO Business Auto Coverage Form is standardized and dependable. It is easily customized with various endorsements to fit a variety of special coverage situations. The insured that has a significant garage or motor carrier exposure should consider using one of the more specific coverage forms.