CG 00 38 Products/Completed Operations Liability Coverage Form

An Insurance Services Office (ISO) standard form. Claims-made coverage form that covers only bodily injury and property damage within the products-completed operations hazard, for claims first made during the policy period or an extended reporting period, with a retroactive date, defense, exclusions and conditions.

1. 12 25 edition

   Dec 2025, compared with 04 13Latest edition

   • A new exclusion removes coverage for bodily injury or property damage arising out of a cyber incident, including related notification, forensic, restoration and extortion costs.

     04 13

     Not in this edition

     12 25

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

   • This insurance is now excess over any other primary insurance covering you as an additional insured for products and completed operations.

     04 13

     Not in this edition

     12 25

     “products and completed operations for which you have been added as an additional insured”

   • A contract counts as an insured contract only to the extent your assumption of another party's 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 other edition dates appear in one or two filings each, often carrier-specific versions: 12 07, 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 11 companies filed 12 25.
• The newer 12 25 edition first appears Jul 12, 2024 and has been filed by 17 companies in 39 states so far.
• CG 00 02 (Commercial General Liability Coverage Form) is filed alongside it most often, in 197 of the same filings (99%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 000005 Products/Completed Operations Liability Coverage Form (4 states)
• Fairfax Financial GroupUses CG 00 38 in 1 filing

• CG 00 02Commercial General Liability Coverage Form197 filings
• CG 28 34Supplemental Extended Reporting Period Endorsement158 filings
• CG 28 35Supplemental Extended Reporting Period Endorsement For Specific Accidents, Products, Work Or Locations157 filings
• CG 04 35Employee Benefits Liability Coverage142 filings
• CG 04 37Electronic Data Liability142 filings
• CG 21 66Exclusion - Volunteer Workers as Insureds139 filings
• CG 22 62Underground Resources and Equipment Coverage138 filings
• CG 24 09Governmental Subdivisions138 filings
• CG 21 06Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - with Limited Bodily Injury Exception136 filings
• CG 21 37Exclusion - Employees and Volunteer Workers as Insureds134 filings