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InfoCentral: Business Auto (ISO) Policy Guides

The Texas Department of Insurance approved the Commercial Auto Program supported by the Insurance Services Office effective March 1, 2001. The 1997 edition (07 97) was approved first, followed by the 2001 edition (10 01), the 2006 edition (03 06), the 2010 edition (03 10) and the 2013 edition (10 13). This Policy Coverages section analyzes the 2013 edition.

Insurers have the option of using the ISO forms or the TDI-promulgated forms. See technical report ISO BAP Compared to TDI BAP for a summary of the differences between the two forms.

The ISO BAP is used to insure autos used in business and non-business autos owned by entities other than individuals, including partnerships, corporations, associations and other organizations.

The BAP has the following components:

  • Declarations CA DS 03
  • Common Policy Conditions (IL 00 17)
  • Business Auto Coverage Form (CA 00 01)
  • Endorsements

The principal component of the BAP is the Business Auto Coverage Form. The coverage form includes provisions only for liability and physical damage; any other coverage, such as medical payments, personal injury protection or uninsured motorists, must be added by endorsement.

The business auto coverage form has five sections:

Section I – Covered Autos

Section II – Covered Autos Liability Coverage

Section III – Physical Damage Coverage

Section IV – Business Auto Conditions

Section V – Definitions

This Policy Coverages section concentrates on the major BAP coverage sections for liability and physical damage, plus the endorsements for medical payments, personal injury protection and uninsured motorists. The Forms and Endorsements separate section briefly discusses the other endorsements.