CG 04 35 Employee Benefits Liability Coverage

An Insurance Services Office (ISO) standard form. It adds claims-made employee benefits liability coverage to the CGL coverage part for negligent acts, errors or omissions in administering your employee benefit programs, with its own limits, deductible and retroactive date.

1. 12 25 edition

   Dec 2025, compared with 12 07Latest edition

   • The schedule adds a space to name an additional designated employee benefit program, and the definition of employee benefit program refers to programs shown in the schedule.

     12 07

     Not in this edition

     12 25

     “Additional Designated Employee Benefit Program (if applicable):”

   • The newly acquired or formed organization provision also applies to limited liability companies covered under the Automatic Insured Status For Newly Acquired Or Formed Limited Liability Companies endorsement.

     12 07

     Not in this edition

     12 25

     “If the Automatic Insured Status For Newly Acquired Or Formed Limited Liability Companies endorsement”

1 other edition date appears in one or two filings each, often carrier-specific versions: 02 02.

Where filings record what this form replaced, they name other forms EB 101. Only some filings record replacements.

• Edition in use: in the past 12 months, 49 companies filed the 12 07 edition and 9 companies filed 12 25.
• The newer 12 25 edition first appears Jul 12, 2024 and has been filed by 15 companies in 33 states so far.
• CG 21 47 (Employment- Related Practices Exclusion) is filed alongside it most often, in 234 of the same filings (73%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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

• WR Berkley Corporation GroupUses CG 04 35 in 1 filing
• Fairfax Financial GroupUses CG 04 35 in 1 filing

• CG 21 47Employment- Related Practices Exclusion234 filings
• CG 00 01Commercial General Liability Coverage Form230 filings
• CG 21 06Exclusion – Access or Disclosure of Confidential or Personal Information and Data-Related Liability – with Limited Bodily Injury Exception217 filings
• IL 00 21Nuclear Energy Liability Exclusion Endorsement213 filings
• CG 22 74Limited Contractual Liability Coverage for Personal and Advertising Injury203 filings
• CG 21 67Fungi or Bacteria Exclusion194 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises189 filings
• CG 20 26Additional Insured – Designated Person or Organization186 filings
• IL 00 03Calculation of Premium185 filings
• CG 21 45Exclusion – Damage to Premises Rented to You184 filings