CR 20 33 Excess Over Underlying Insurance

An Insurance Services Office (ISO) standard form. It makes the crime coverage apply only as excess over the underlying insurance listed in the schedule, paying only loss above that insurance's limit and deductible, and reduces your deductible by the underlying limit plus its deductible.

1. 05 23 edition

   May 2023, compared with 06 22Latest edition

   • Under the fidelity and forgery policies, only paragraph (2) of the loss duties condition is waived, so paragraph (3) still applies to them.

     06 22

     Not in this edition

     05 23

     “Paragraph (2) does not apply.”

Where filings record what this form replaced, they name earlier edition 06 22. Only some filings record replacements.

• Edition in use: in the past 12 months, 3 companies filed the 05 23 edition and 2 companies filed 06 22.
• CR 04 08 (Employee Theft – Name Or Position Schedule) is filed alongside it most often, in 82 of the same filings (100%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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.

• AXA Insurance GroupUses CR 20 33 in 1 filing

• CR 04 08Employee Theft – Name Or Position Schedule82 filings
• CR 04 01Employee Theft Of Clients' Property80 filings
• CR 20 42Exclude Digital Tokens And Other Electronic Instruments62 filings
• CR 25 55Amend Verification Condition62 filings
• CR 00 21Commercial Crime Coverage Form (Loss Sustained Form)29 filings
• CR 00 23Commercial Crime Policy (Loss Sustained Form)29 filings
• CR 04 05Inside The Premises – Theft Of Other Property29 filings
• CR 04 06Inside The Premises – Robbery Of A Watchperson Or Burglary Of Other Property29 filings
• CR 04 07Inside The Premises – Robbery Of A Custodian Or Safe Burglary Of Money And Securities29 filings
• CR 04 11Guests' Property29 filings