CR 20 08 Convert To An Aggregate Limit Of Insurance

An Insurance Services Office (ISO) standard form. It adds a policy aggregate limit that caps total payments for all loss during the policy period regardless of the number of occurrences, with each payment reducing the aggregate.

1. 06 22 edition

   Jun 2022, compared with 09 17Latest edition

   • Loss to employee benefit plans is no longer carved out of the endorsement. Instead, the aggregate is reinstated up to the minimum amount required under ERISA for loss to an ERISA plan.

     09 17

     “this endorsement shall not apply to loss or that portion of loss sustained by an "employee benefit plan"”

     06 22

     Removed

   • Once the aggregate is exhausted, the insurer owes nothing further regardless of when loss is discovered, except ERISA plan loss already reported during the policy period.

     09 17

     “pay for loss which may be "discovered" during the remainder of the Policy Period”

     06 22

     “liability for loss or losses, regardless of when "discovered"”

2. 09 17 edition

   Sep 2017, compared with 08 07

   • The aggregate limit no longer applies to loss sustained by an employee benefit plan under the commercial crime forms and employee theft and forgery policy.

     08 07

     Not in this edition

     09 17

     “this endorsement shall not apply to loss or that portion of loss sustained by an "employee benefit plan"”

2 other edition dates appear in one or two filings each, often carrier-specific versions: 10 10, 8107.

Where filings record what this form replaced, they name earlier edition 10 10. Only some filings record replacements.

• Edition in use: in the past 12 months, 4 companies filed the 06 22 edition.
• CR 00 25 (Government Crime Coverage Form (Loss Sustained Form)) is filed alongside it most often, in 59 of the same filings (89%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• CR 00 25Government Crime Coverage Form (Loss Sustained Form)59 filings
• CR 00 27Government Crime Policy (Loss Sustained Form)59 filings
• CR 04 08Employee Theft - Name or Position Schedule58 filings
• CR 25 09Include Volunteer Workers as Employees58 filings
• CR 25 41Include Designated Persons or Classes of Persons as Employees58 filings
• CR 25 02Include Designated Agents as Employees55 filings
• CR 25 12Include Treasurers or Tax Collectors as Employees54 filings
• CR 00 21Commercial Crime Coverage Form (Loss Sustained Form)53 filings
• CR 20 14Loss Payable52 filings
• CR 20 16Provide Notice Of Cancellation Or Termination To Another Entity52 filings