CG 04 36 Limited Product Withdrawal Expense Endorsement

An Insurance Services Office (ISO) standard form. It reimburses you for product withdrawal expenses when you recall your products because of known or suspected defects or tampering, or because a government entity orders a withdrawal, subject to an aggregate limit, deductible and participation percentage. It provides no liability or defense coverage.

1. 12 25 edition

   Dec 2025, compared with 12 19Latest edition

   • Electronic data is no longer defined within the endorsement and now relies on the policy's own definition of electronic data.

     12 19

     “As used in this definition, electronic data means information, facts or programs”

     12 25

     “For the purposes of this insurance, "electronic data" is not tangible property.”

2. 12 19 edition

   Dec 2019, compared with 04 13

   • The known defect exclusion now looks to defects known before this endorsement was first issued, rather than before the Coverage Part was first issued.

     04 13

     “prior to the date when this Coverage Part was first issued to you”

     12 19

     “prior to the date when this endorsement was first issued to you”

1 other edition date appears in one or two filings each, often carrier-specific versions: 12 04.

Where filings record what this form replaced, they name earlier editions 04 13, 12 19 and other forms G 04 36. Only some filings record replacements.

• Edition in use: in the past 12 months, 15 companies filed the 12 19 edition and 8 companies filed 12 25.
• The newer 12 25 edition first appears Jul 12, 2024 and has been filed by 14 companies in 33 states so far.
• CG 21 66 (Exclusion – Volunteer Workers As Insureds) is filed alongside it most often, in 150 of the same filings (96%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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

• Berkshire Hathaway GroupUses CG 04 36 in 1 filing
• WR Berkley Corporation GroupUses CG 04 36 in 1 filing
• Fairfax Financial GroupUses CG 04 36 in 2 filings

• CG 21 66Exclusion – Volunteer Workers As Insureds150 filings
• CG 22 69Pharmacists144 filings
• CG 21 37Exclusion - Employees and Volunteer Workers as Insureds143 filings
• CG 22 97Pharmacists - Broadened Coverage137 filings
• CG 40 14Cannabis Exclusion137 filings
• CG 40 16Cannabis Exclusion with Hemp and Lessors Risk Exceptions136 filings
• CG 40 15Cannabis Exclusion with Hemp Exception132 filings
• CG 21 44Limitation of Coverage to Designated Premises, Project or Operation130 filings
• CG 20 41Additional Insured – Owners, Lessees Or Contractors – Completed Operations Subject To The General Aggregate127 filings
• CG 22 76Professional Liability Exclusion – Physical Fitness Services124 filings