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  "id": "iso-ca-00-01-10-13",
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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Business Auto Coverage Form CA 00 01 10 13 (ISO)",
  "publisher": "Insurance Services Office, Inc. (page footers read \"Insurance Services Office, Inc., 2011\"); copy hosted by the Independent Insurance Agents of Texas",
  "url": "https://www.iiat.org/uploads/files/general/InfoCentral/Commercial-Auto/ca0001.pdf",
  "officialHost": false,
  "sourceType": "policy-form",
  "authorityLevel": "standards-body",
  "primary": true,
  "jurisdiction": "US",
  "publishedDate": "2013-10",
  "effectiveDate": "unknown",
  "accessedDate": "2026-09-02",
  "lastChecked": "2026-09-02",
  "updateCadence": "annually",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "iso-ca-00-01-10-13#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c1",
      "checksum": "774c39728c87",
      "text": "Every page carries the form line CA 00 01 10 13, the title BUSINESS AUTO COVERAGE FORM, and the footer \"Insurance Services Office, Inc., 2011\"; the form runs 12 pages."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c2",
      "checksum": "3ba44ecbdc07",
      "text": "Section I Covered Autos states that Item Two of the Declarations shows the autos that are covered autos for each coverage, and that the symbols entered next to a coverage on the Declarations designate the only autos that are covered autos."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c3",
      "checksum": "5ff65206f377",
      "text": "Symbol 1 is described as Any Auto."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c4",
      "checksum": "de6f75ce5e80",
      "text": "Symbol 2 is Owned Autos Only: only those autos you own, and for Covered Autos Liability Coverage any trailers you do not own while attached to power units you own, including autos you acquire ownership of after the policy begins."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c5",
      "checksum": "076ebc7e7e64",
      "text": "Symbol 3 is Owned Private Passenger Autos Only, and Symbol 4 is Owned Autos Other Than Private Passenger Autos Only."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c6",
      "checksum": "171506b01c54",
      "text": "Symbol 5 is Owned Autos Subject To No-fault: only those autos you own that are required to have no-fault benefits in the state where they are licensed or principally garaged."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c7",
      "checksum": "bf1b7590296d",
      "text": "Symbol 6 is Owned Autos Subject To A Compulsory Uninsured Motorists Law: only those autos you own that, because of the law in the state where they are licensed or principally garaged, are required to have and cannot reject Uninsured Motorists Coverage."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c8",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c8",
      "checksum": "4b2302b5284a",
      "text": "Symbol 7 is Specifically Described Autos: only those autos described in Item Three of the Declarations for which a premium charge is shown."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c9",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c9",
      "checksum": "a763613dc10d",
      "text": "Symbol 8 is Hired Autos Only: only those autos you lease, hire, rent or borrow, and it does not include any auto you lease, hire, rent or borrow from any of your employees, partners if you are a partnership, members if you are a limited liability company, or members of their households."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c10",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c10",
      "checksum": "5cb330092915",
      "text": "Symbol 9 is Non-owned Autos Only: only those autos you do not own, lease, hire, rent or borrow that are used in connection with your business, and it includes autos owned by your employees, partners or members, or members of their households, but only while used in your business or your personal affairs."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c11",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c11",
      "checksum": "83a309fb6a7e",
      "text": "The Covered Autos Liability Coverage insuring agreement states that the insurer will pay all sums an insured legally must pay as damages because of bodily injury or property damage to which the insurance applies, caused by an accident and resulting from the ownership, maintenance or use of a covered auto."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c12",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c12",
      "checksum": "442af42fdf83",
      "text": "The same insuring agreement covers sums an insured legally must pay as a covered pollution cost or expense caused by an accident, but states that the insurer will only pay for the covered pollution cost or expense if there is also bodily injury or property damage to which the insurance applies caused by the same accident."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c13",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c13",
      "checksum": "f58c24220f21",
      "text": "The form states that the insurer has no duty to defend any insured against a suit seeking damages for bodily injury, property damage or a covered pollution cost or expense to which the insurance does not apply."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c14",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c14",
      "checksum": "f7c64f4b791f",
      "text": "The form states that the duty to defend or settle ends when the Covered Autos Liability Coverage Limit of Insurance has been exhausted by payment of judgments or settlements."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c15",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c15",
      "checksum": "a95d495dbc7e",
      "text": "Who Is An Insured at Paragraph A.1. lists as insureds: you for any covered auto; and anyone else while using with your permission a covered auto you own, hire or borrow, subject to five stated exceptions."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c16",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c16",
      "checksum": "d336df4d94ed",
      "text": "The first exception to Who Is An Insured removes the owner or anyone else from whom you hire or borrow a covered auto, and states that the exception does not apply if the covered auto is a trailer connected to a covered auto you own."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c17",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c17",
      "checksum": "40495a834312",
      "text": "The second exception removes your employee if the covered auto is owned by that employee or a member of his or her household."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c18",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c18",
      "checksum": "3038f4343170",
      "text": "The third exception removes someone using a covered auto while he or she is working in a business of selling, servicing, repairing, parking or storing autos, unless that business is yours."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c19",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c19",
      "checksum": "ab7e6ea6560b",
      "text": "The fifth exception removes a partner, if you are a partnership, or a member, if you are a limited liability company, for a covered auto owned by him or her or a member of his or her household."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c20",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c20",
      "checksum": "2db7fb9d9ed2",
      "text": "Who Is An Insured also includes anyone liable for the conduct of an insured described above, but only to the extent of that liability."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c21",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c21",
      "checksum": "bd544d7a88ee",
      "text": "Exclusion 2 Contractual removes liability assumed under any contract or agreement, but states the exclusion does not apply to liability for damages assumed in a contract or agreement that is an insured contract, provided the bodily injury or property damage occurs subsequent to the execution of the contract, or that the insured would have in the absence of the contract."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c22",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c22",
      "checksum": "6101ebb23795",
      "text": "Exclusion 3 Workers' Compensation removes any obligation for which the insured or the insured's insurer may be held liable under any workers' compensation, disability benefits or unemployment compensation law or any similar law."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c23",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c23",
      "checksum": "518f8710b19b",
      "text": "Exclusion 4 Employee Indemnification And Employer's Liability removes bodily injury to an employee of the insured arising out of and in the course of employment by the insured or performing duties related to the conduct of the insured's business, and to the spouse, child, parent, brother or sister of that employee as a consequence."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c24",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c24",
      "checksum": "69a04a4e0931",
      "text": "Exclusion 4 states that it applies whether the insured may be liable as an employer or in any other capacity, and to any obligation to share damages with or repay someone else who must pay damages because of the injury."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c25",
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      "checksum": "476b6f6c82cd",
      "text": "Exclusion 1 Expected Or Intended Injury removes bodily injury or property damage expected or intended from the standpoint of the insured."
    },
    {
      "claimId": "iso-ca-00-01-10-13#c26",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13#c26",
      "checksum": "1b1f753567df",
      "text": "Supplementary Payments include all expenses the insurer incurs and up to $2,000 for the cost of bail bonds, including bonds for related traffic law violations, required because of an accident the insurer covers, and the form states the insurer does not have to furnish these bonds."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Coverage",
      "title": "Commercial Auto Insurance",
      "url": "https://bestinsuranceresearch.com/insurance/commercial-auto"
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  ],
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  "citation": {
    "text": "Insurance Services Office, Inc. (page footers read \"Insurance Services Office, Inc., 2011\"); copy hosted by the Independent Insurance Agents of Texas. \"Business Auto Coverage Form CA 00 01 10 13 (ISO).\" 2013-10. https://www.iiat.org/uploads/files/general/InfoCentral/Commercial-Auto/ca0001.pdf (retrieved 2026-09-02).",
    "viaThisSite": "BestInsurance Research source record iso-ca-00-01-10-13, content version 2026.08.31. https://bestinsuranceresearch.com/sources/iso-ca-00-01-10-13",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}