Coverage description
An Insurance Services Office (ISO) standard form. It excludes bodily injury, property damage, personal and advertising injury and medical payments arising out of exterior insulation and finish systems (EIFS) or similar systems, including your work on exterior parts of structures where such a system is used.
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 25 edition
Dec 2025, compared with 12 04Latest editionThe endorsement now states that the exclusion is added to Coverage C medical payments as well as Coverages A and B.
12 04
Not in this edition
12 25
“Section I – Coverage C – Medical Payments:”
The definition of an exterior insulation and finish system is broadened: it now includes the listed components rather than consisting of them, and the insulation board may be expanded polystyrene or other materials.
12 04
“expanded polystyrene and other materials”
12 25
“expanded polystyrene or other materials”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 25Dec 2025Latest | 46 | 15 | 38 | Jul 2024 to Jun 2026 |
| 12 04Dec 2004 | 132 | 74 | 25 | Dec 2021 to Oct 2026 |
Where filings record what this form replaced, they name earlier edition 12 04. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 23 companies filed the 12 04 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 38 states so far.
- CG 00 01 (Commercial General Liability Coverage Form) is filed alongside it most often, in 151 of the same filings (85%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 86, out of 50 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 37 | 37 | 12 25 | Apr 9, 2025 |
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 16 | 16 | 12 04 | Jan 15, 2026 |
| Markel Corporation Group3 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 14 | 5 | 12 04 | Oct 22, 2026 |
| Nationwide Corporation Group8 group companies filed it, led by Allied Insurance Company of America and Nationwide Agribusiness Insurance Company | 11 | 4 | 12 04 | Jul 21, 2025 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 8 | 3 | 12 0412 25 | Jun 15, 2026 |
| Starr Group2 group companies filed it, led by Starr Indemnity and Liability Company and Starr Specialty Insurance Company | 6 | 4 | 12 04 | Sep 8, 2025 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 12 04 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 12 04 | Jun 18, 2026 |
| Tokio Marine Holdings Incorporated GroupSafety National Casualty Corporation | 5 | 1 | 12 04 | Feb 17, 2026 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 4 | 2 | 12 04 | Dec 8, 2025 |
How the largest insurers handle CG 21 86
Groups among the largest commercial general liability insurers that filed CG 21 86 or their own version in the past five years.
- Chubb Limited GroupFiles its own version: CB CG 210059 Exclusion - Exterior Insulation And Finish Systems (4 states)
- WR Berkley Corporation GroupUses CG 21 86 in 1 filing
- Fairfax Financial GroupUses CG 21 86 in 2 filings
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Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CG 21 86 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 Form151 filings
- CG 22 29Exclusion - Property Entrusted150 filings
- CG 22 87Exclusion - Adult Day Care Centers150 filings
- CG 20 22Additional Insured - Church Members and Officers149 filings
- CG 21 47Employment- Related Practices Exclusion149 filings
- CG 22 52Exclusion - Medical Payments Coverage (Inmates, Patients or Prisoners)149 filings
- CG 22 68Operation of Customers Autos on Particular Premises149 filings
- CG 22 56Exclusion - Injury to Volunteer Firefighters147 filings
- CG 22 76Professional Liability Exclusion - Health or Exercise Clubs or Commercially Operated Health or Exercise Facilities147 filings
- CG 22 88Professional Liability Exclusion - Electronic Data Processing Services and Computer Consulting or Programming Services146 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 | 12 04 | STNA-135128706 |
| Oct 6, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CA | 12 04 | CNAB-135091690 |
| Aug 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 12 04 | SFBC-135017175 |
| Jul 10, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 12 04 | SFBC-135013358 |
| Jul 2, 2026 | State National Insurance Company, Inc. | CO | 12 04 | STNA-135002472 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 12 04 | CHMU-134947220 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 12 04 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 12 2512 04 | BEAC-134983795 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 12 04 | MRTN-134978899 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 12 04 | MRTN-134978902 |
| Jun 2, 2026 | Zenith Insurance Company | CA | 12 04 | ZICO-134965759 |
| Jun 1, 2026 | CopperPoint Casualty Insurance Companyand 1 more | SC | 12 04 | COPP-134966665 |
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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