CG 00 01 Commercial General Liability Coverage Form

An Insurance Services Office (ISO) standard form. It is the standard occurrence-based commercial general liability form, covering bodily injury and property damage liability (Coverage A), personal and advertising injury liability (Coverage B) and medical payments (Coverage C). It also sets out supplementary payments, who is an insured, limits of insurance, conditions and definitions.

1. 12 25 edition

   Dec 2025, compared with 04 13Latest edition

   • Adds an exclusion under Coverages A and B for violations of data privacy laws, such as the Illinois Biometric Information Privacy Act and the California Consumer Privacy Act.

     04 13

     Not in this edition

     12 25

     “The Illinois Biometric Information Privacy Act (BIPA)”

   • Adds exclusions under Coverages A and B for cyber incidents and for access to or disclosure of confidential or personal information.

     04 13

     Not in this edition

     12 25

     “arising out of a "cyber incident"”

   • Adds an employment-related practices exclusion under Coverages A and B, such as refusal to employ, termination, harassment or discrimination.

     04 13

     Not in this edition

     12 25

     “Refusal to employ that person”

   • Part of a contract counts as an insured contract only to the extent your assumption of the tort liability is permitted by law.

     04 13

     Not in this edition

     12 25

     “to the extent your assumption of the tort liability is permitted by law”

2. 04 13 edition

   Apr 2013, compared with 12 04

   • Adds an exclusion under Coverages A and B for violations of the TCPA, CAN-SPAM Act, Fair Credit Reporting Act and similar laws on recording and distributing material or information.

     12 04

     Not in this edition

     04 13

     “The Fair Credit Reporting Act (FCRA)”

   • The electronic data exclusion no longer applies to liability for bodily injury.

     12 04

     Not in this edition

     04 13

     “However, this exclusion does not apply to liability for damages because of "bodily injury".”

   • Letting people bring alcoholic beverages onto your premises does not by itself put you in the liquor business for the liquor liability exclusion.

     12 04

     Not in this edition

     04 13

     “is not by itself considered the business of selling, serving or furnishing alcoholic beverages”

   • This insurance is excess over other primary insurance on which you are an additional insured, whether or not that status comes from an endorsement.

     12 04

     “for which you have been added as an additional insured by attachment of an endorsement”

     04 13

     Removed

3 other edition dates appear in one or two filings each, often carrier-specific versions: 10 13, 12 07, 01 96.

Where filings record what this form replaced, they name earlier edition 04 13 and other forms GL 2000. Only some filings record replacements.

• Edition in use: in the past 12 months, 24 companies filed the 04 13 edition and 14 companies filed 12 25.
• The newer 12 25 edition first appears Jul 12, 2024 and has been filed by 20 companies in 40 states so far.
• CG 21 47 (Employment- Related Practices Exclusion) is filed alongside it most often, in 290 of the same filings (80%).

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

• Chubb Limited GroupFiles its own version: CB CG 000001 Commercial General Liability Coverage Form (4 states)
• Berkshire Hathaway GroupUses CG 00 01 in 14 filings
• WR Berkley Corporation GroupUses CG 00 01 in 1 filing
• Fairfax Financial GroupUses CG 00 01 in 2 filings

• CG 21 47Employment- Related Practices Exclusion290 filings
• CG 21 06Exclusion – Access or Disclosure of Confidential or Personal Information and Data-Related Liability – with Limited Bodily Injury Exception273 filings
• CG 04 35Employee Benefits Liability Coverage230 filings
• CG 20 26Additional Insured – Designated Person or Organization220 filings
• IL 00 21Nuclear Energy Liability Exclusion Endorsement218 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises215 filings
• CG 22 74Limited Contractual Liability Coverage for Personal and Advertising Injury203 filings
• CG 20 28Additional Insured – Lessor of Leased Equipment201 filings
• CG 20 10Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization196 filings
• CG 20 18Additional Insured – Mortgagee, Assignee or Receiver194 filings