CG 00 02 Commercial General Liability Coverage Form

An Insurance Services Office (ISO) standard form. Claims-made commercial general liability coverage form for bodily injury and property damage, personal and advertising injury, and medical payments, where liability claims must first be made during the policy period for injury or offenses after any retroactive date.

1. 12 25 edition

   Dec 2025, compared with 04 13Latest edition

   • Adds an exclusion under Coverages A and B for violations of laws addressing data privacy, such as BIPA, the CCPA and the GDPR.

     04 13

     Not in this edition

     12 25

     “Violation Of Law Addressing Data Privacy”

   • Adds an exclusion for access to or disclosure of confidential or personal material or information, including related notification, monitoring and extortion costs.

     04 13

     Not in this edition

     12 25

     “Access Or Disclosure Of Confidential Or Personal Material Or Information”

   • Adds an employment-related practices exclusion for injury to a person from refusal to employ, termination or employment-related practices, and to that person's family.

     04 13

     Not in this edition

     12 25

     “Refusal to employ that person”

   • Adds a cyber incident exclusion under Coverages A and B, with a new definition of cyber incident.

     04 13

     Not in this edition

     12 25

     “"Bodily injury" or "property damage" arising out of a "cyber incident"”

3 other edition dates appear in one or two filings each, often carrier-specific versions: 12 07, 12 04, 01 96.

Where filings record what this form replaced, they name earlier editions 12 04, 04 13. Only some filings record replacements.

• Edition in use: in the past 12 months, 41 companies filed the 04 13 edition and 12 companies filed 12 25.
• The newer 12 25 edition first appears Jul 12, 2024 and has been filed by 18 companies in 40 states so far.
• CG 00 38 (Products/Complete D Operations Liability Coverage Form) is filed alongside it most often, in 197 of the same filings (93%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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)
• WR Berkley Corporation GroupUses CG 00 02 in 1 filing
• Fairfax Financial GroupUses CG 00 02 in 2 filings

• CG 00 38Products/Complete D Operations Liability Coverage Form197 filings
• CG 28 34Supplemental Extended Reporting Period Endorsement157 filings
• CG 28 35Supplemental Extended Reporting Period Endorsement For Specific Accidents, Products, Work Or Locations156 filings
• CG 04 35Employee Benefits Liability Coverage148 filings
• CG 04 37Electronic Data Liability147 filings
• CG 21 66Exclusion - Volunteer Workers as Insureds145 filings
• CG 22 62Underground Resources and Equipment Coverage142 filings
• CG 21 06Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - with Limited Bodily Injury Exception141 filings
• CG 24 09Governmental Subdivisions141 filings
• CG 21 37Exclusion - Employees and Volunteer Workers as Insureds140 filings