Coverage description
An Insurance Services Office (ISO) standard form. It removes, for the operations shown in the schedule, the coverage territory extension for activities of people based in the coverage territory who are away for a short time on your business.
How the form has changed
1 change 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 limitation now applies to whatever operations are described in the schedule, instead of only to tours you conduct.
12 04
“With respect to tours you conduct”
12 25
“With respect to the operations described in the Schedule of this endorsement”
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 | 63 | 18 | 40 | Jul 2024 to Aug 2026 |
| 12 04Dec 2004 | 106 | 60 | 26 | Dec 2021 to Oct 2026 |
| 11 85Nov 1985 | 4 | 2 | 4 | Aug 2022 to Mar 2024 |
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, 18 companies filed the 12 04 edition and 12 companies filed 12 25.
- The newer 12 25 edition first appears Jul 12, 2024 and has been filed by 18 companies in 40 states so far.
- CG 22 56 (Exclusion - Injury to Volunteer Firefighters) is filed alongside it most often, in 170 of the same filings (99%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 22 28, out of 41 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 37 | 37 | 12 25 | Apr 9, 2025 |
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 20 | 18 | 12 2512 04 | Aug 26, 2026 |
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 16 | 16 | 12 04 | Jan 15, 2026 |
| Nationwide Corporation Group8 group companies filed it, led by Allied Insurance Company of America and Nationwide Agribusiness Insurance Company | 10 | 3 | 12 04 | Feb 12, 2025 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 9 | 4 | 12 04 | Oct 22, 2026 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 8 | 3 | 12 0412 25 | Jun 15, 2026 |
| Berkshire Hathaway Group2 group companies filed it, led by Berkshire Hathaway Homestate Insurance Company and Redwood Fire and Casualty Insurance Company | 7 | 7 | 12 04 | Jan 9, 2023 |
| 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 |
How the largest insurers handle CG 22 28
Groups among the largest commercial general liability insurers that filed CG 22 28 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 22 28 in 7 filings
- Fairfax Financial GroupUses CG 22 28 in 2 filings
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States
Number of filings that include CG 22 28 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 56Exclusion - Injury to Volunteer Firefighters170 filings
- CG 22 68Operation of Customers Autos on Particular Premises169 filings
- CG 22 76Professional Liability Exclusion - Health or Exercise Clubs or Commercially Operated Health or Exercise Facilities169 filings
- CG 22 52Exclusion - Medical Payments Coverage (Inmates, Patients or Prisoners)167 filings
- CG 22 88Professional Liability Exclusion - Electronic Data Processing Services and Computer Consulting or Programming Services167 filings
- CG 22 87Exclusion - Adult Day Care Centers166 filings
- CG 22 57Exclusion - Underground Resources and Equipment165 filings
- CG 22 29Exclusion - Property Entrusted164 filings
- CG 21 66Exclusion - Volunteer Workers as Insureds162 filings
- CG 22 47Exclusion - Saline Substances Contamination162 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 26, 2026 | The Cincinnati Casualty Companyand 2 more | NV | 12 25 | CNNA-134980601 |
| Aug 26, 2026 | The Cincinnati Casualty Companyand 2 more | ID | 12 25 | CNNA-134992231 |
| 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 4, 2026 | The Cincinnati Casualty Companyand 2 more | RI | 12 25 | CNNA-134875418 |
| Jun 2, 2026 | Zenith Insurance Company | CA | 12 04 | ZICO-134965759 |
| May 20, 2026 | The Cincinnati Casualty Companyand 2 more | MD | 12 25 | CNNA-134879009 |
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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