Coverage description
An Insurance Services Office (ISO) standard form. It replaces the general liability liquor exclusion with a version that also applies when you let people bring alcohol onto your premises, but does not apply to alcohol served at the scheduled activities or brought onto the scheduled premises.
How the form has changed
3 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
04 13 edition
Apr 2013, compared with 09 89Latest editionThe exclusion now also applies if you permit people to bring alcohol onto your premises, and intoxication caused by such alcohol is added to the excluded causes.
09 89
Not in this edition
04 13
“Permit any person to bring any alcoholic beverages on your premises”
The exception can now apply to scheduled premises as well as scheduled activities, restoring coverage for letting people bring alcohol onto the scheduled premises.
09 89
“at the specific activity(ies) described above”
04 13
“Permitting any person to bring any alcoholic beverages on the premises described in the Schedule”
The exclusion applies even if claims allege negligent supervision, hiring, training or monitoring of others, or providing or failing to provide transportation.
09 89
Not in this edition
04 13
“Providing or failing to provide transportation with respect to any person”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 04 13Apr 2013Latest | 145 | 74 | 35 | Nov 2021 to Oct 2026 |
| 09 89Sep 1989 | 6 | 4 | 5 | Aug 2022 to Mar 2024 |
Where filings record what this form replaced, they name earlier edition 09 89. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 21 companies filed the 04 13 edition.
- CG 22 70 (Real Estate Property Managed) is filed alongside it most often, in 135 of the same filings (89%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 51, out of 43 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 16 | 16 | 04 13 | Jan 15, 2026 |
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 15 | 15 | 04 13 | Jan 4, 2023 |
| Berkshire Hathaway Group2 group companies filed it, led by Berkshire Hathaway Homestate Insurance Company and Redwood Fire and Casualty Insurance Company | 10 | 10 | 04 1309 89 | Jan 9, 2023 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 10 | 4 | 04 1309 89 | Oct 22, 2026 |
| Nationwide Corporation Group7 group companies filed it, led by Allied Insurance Company of America and Nationwide Agribusiness Insurance Company | 7 | 2 | 04 13 | Feb 12, 2025 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 7 | 3 | 04 13 | Jun 15, 2026 |
| Starr Group2 group companies filed it, led by Starr Indemnity and Liability Company and Starr Specialty Insurance Company | 7 | 4 | 04 13 | Sep 8, 2025 |
| Hastings Mutual Insurance Company | 6 | 5 | 04 13 | Mar 13, 2025 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 04 13 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 04 13 | Jun 18, 2026 |
How the largest insurers handle CG 21 51
Groups among the largest commercial general liability insurers that filed CG 21 51 or their own version in the past five years.
- Chubb Limited GroupFiles its own version: CB CG 210020 Amendment Of Liquor Liability Exclusion - Exception For Scheduled Premises Or Activities (4 states)
- Berkshire Hathaway GroupUses CG 21 51 in 10 filings
- WR Berkley Corporation GroupUses CG 21 51 in 1 filing
- Fairfax Financial GroupUses CG 21 51 in 2 filings
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States
Number of filings that include CG 21 51 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 22 70Real Estate Property Managed135 filings
- CG 20 11Additional Insured – Managers or Lessors of Premises131 filings
- CG 20 27Additional Insured - Co-Owner of Insured Premises131 filings
- CG 21 50Amendment of Liquor Liability Exclusion131 filings
- CG 21 66Exclusion – Volunteer Workers as Insureds131 filings
- CG 20 26Additional Insured – Designated Person or Organization130 filings
- CG 20 28Additional Insured - Lessor of Leased Equipment130 filings
- CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations127 filings
- CG 21 57Exclusion - Counseling Services125 filings
- CG 21 59Exclusion - Diagnostic Testing Laboratories125 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 22, 2026 | State National Insurance Company, Inc. | CO | 04 13 | STNA-135128706 |
| Oct 6, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CA | 04 13 | CNAB-135091690 |
| Aug 20, 2026 | New York Marine and General Insurance Company | SC | 04 13 | PERR-135060921 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 04 13 | CHMU-134947220 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 04 13 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 04 13 | BEAC-134983795 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 04 13 | MRTN-134978899 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 04 13 | MRTN-134978902 |
| Jun 2, 2026 | Zenith Insurance Company | CA | 04 13 | ZICO-134965759 |
| Jun 1, 2026 | CopperPoint Casualty Insurance Companyand 1 more | SC | 04 13 | COPP-134966665 |
| Mar 20, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CO | 04 13 | CNAB-134872676 |
| Feb 24, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | SC | 04 13 | CNAB-134851008 |
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 21 47 Employment-Related Practices Exclusion
- CG 04 35 Employee Benefits Liability Coverage
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