Coverage description
An Insurance Services Office (ISO) standard form. Excludes injury arising out of employment-related practices, such as refusal to employ, termination, harassment and discrimination, including claims by family members.
What the form says
Key clauses from the latest edition, 12 07 (Dec 2007), quoted as filed.
“discrimination or malicious prosecution directed at that person”
CG 21 47 12 07 · New in this edition
Malicious prosecution is named. Added in the 12 07 edition alongside harassment, defamation and discrimination.
“occurs before employment, during employment or after employment of that person”
CG 21 47 12 07 · New in this edition
Applies before, during and after employment. Covers claims from applicants and former employees, not only current staff.
“The spouse, child, parent, brother or sister of that person”
CG 21 47 12 07
Family members. Derivative claims by relatives are excluded too.
“Whether the insured may be liable as an employer or in any other capacity”
CG 21 47 12 07
Any capacity. The exclusion does not depend on an employer relationship.
How the form has changed
2 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
12 07 edition
Dec 2007, compared with 07 98Latest editionAdds malicious prosecution.
07 98
“humiliation or discrimination directed at that person”
12 07
“discrimination or malicious prosecution directed at that person”
Applies whether the event happens before, during or after employment.
07 98
Not in this edition
12 07
“occurs before employment, during employment or after employment”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 07Dec 2007Latest | 315 | 104 | 49 | Nov 2021 to Oct 2026 |
| 07 98Jul 1998 | 7 | 4 | 7 | Jun 2022 to Mar 2024 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 10 93.
Where filings record what this form replaced, they name earlier edition 12 07. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 22 companies filed the 12 07 edition.
- CG 00 01 (Commercial General Liability Coverage Form) is filed alongside it most often, in 290 of the same filings (90%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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.
Carriers filing this form
The 10 carrier groups with the most filings that include CG 21 47, out of 62 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Clear Blue Financial GroupClear Blue Insurance Company | 36 | 34 | 12 07 | Feb 11, 2026 |
| OBS Holdings Group2 group companies filed it, led by Obsidian Insurance Company and Obsidian Pacific Insurance Company | 36 | 36 | 12 07 | Feb 3, 2023 |
| Insurance Services Office, Inc.Advisory Organization | 35 | 35 | 12 07 | Mar 24, 2025 |
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 30 | 21 | 12 07 | Aug 26, 2026 |
| Markel Corporation Group4 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 17 | 5 | 12 07 | Oct 22, 2026 |
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 16 | 16 | 12 07 | Jan 15, 2026 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 11 | 4 | 12 07 | Dec 8, 2025 |
| Berkshire Hathaway Group3 group companies filed it, led by Berkshire Hathaway Homestate Insurance Company and Oak River Insurance Company | 11 | 9 | 12 07 | Oct 28, 2024 |
| Nationwide Corporation Group7 group companies filed it, led by Allied Insurance Company of America and National Casualty Company | 8 | 3 | 12 07 | Jul 21, 2025 |
| Trisura GroupTrisura Insurance Company | 8 | 5 | 12 07 | Jul 10, 2026 |
How the largest insurers handle CG 21 47
Groups among the largest commercial general liability insurers that filed CG 21 47 or their own version in the past five years.
- Chubb Limited GroupFiles its own version: CB CG 210008 Employment-Related Practices Exclusion (3 states)
- Berkshire Hathaway GroupUses CG 21 47 in 9 filings
- WR Berkley Corporation GroupUses CG 21 47 in 1 filing
- Fairfax Financial GroupUses CG 21 47 in 1 filing
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States
Number of filings that include CG 21 47 in each state, Oct 2021 to Oct 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CG 00 01Commercial General Liability Coverage Form290 filings
- CG 21 06Exclusion – Access or Disclosure of Confidential or Personal Information and Data-Related Liability – with Limited Bodily Injury Exception270 filings
- CG 04 35Employee Benefits Liability Coverage234 filings
- IL 00 21Nuclear Energy Liability Exclusion Endorsement (Broad Form)231 filings
- CG 20 26Additional Insured – Designated Person or Organization214 filings
- CG 21 67Fungi or Bacteria Exclusion213 filings
- CG 20 11Additional Insured – Managers or Lessors of Premises209 filings
- CG 21 45Exclusion – Damage to Premises Rented to You206 filings
- CG 22 74Limited Contractual Liability Coverage for Personal and Advertising Injury205 filings
- CG 20 18Additional Insured – Mortgagee, Assignee or Receiver196 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 22, 2026 | The Guarantee Company of North America USA | CA | 12 07 | SPRO-G134931114 |
| Oct 22, 2026 | State National Insurance Company, Inc. | CO | 12 07 | STNA-135128706 |
| Aug 26, 2026 | The Cincinnati Casualty Companyand 2 more | NV | 12 07 | CNNA-134980601 |
| Aug 26, 2026 | The Cincinnati Casualty Companyand 2 more | ID | 12 07 | CNNA-134992231 |
| Aug 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 12 07 | SFBC-135017175 |
| Jul 10, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 12 07 | SFBC-135013358 |
| Jul 10, 2026 | Trisura Insurance Company | WA | 12 07 | SHNF-134976660 |
| Jul 2, 2026 | State National Insurance Company, Inc. | CO | 12 07 | STNA-135002472 |
| Jun 30, 2026 | Trisura Insurance Company | IL | 12 07 | SHNF-134983369 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 12 07 | CHMU-134947220 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 12 07 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 12 07 | BEAC-134983795 |
Related coverage topics
Most filed ISO CG forms
- CG 40 32 Exclusion - Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS)
- CG 21 06 Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information
- CG 20 10 Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization Endorsement
- CG DS 01 Commercial General Liability Declarations
- CG 20 26 Additional Insured - Designated Person or Organization Endorsement
- CG 00 01 Commercial General Liability Coverage Form
- CG 20 37 Additional Insured - Owners, Lessees or Contractors - Completed Operations Endorsement
- CG 40 28 Broad Abuse or Molestation Exclusion
- CG 20 28 Additional Insured - Lessor of Leased Equipment
- CG 20 11 Additional Insured - Managers or Lessors of Premises
- CG 04 35 Employee Benefits Liability Coverage
- CG 21 44 Limitation Of Coverage To Designated Premises, Project Or Operation
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