Coverage description
An Insurance Services Office (ISO) standard form. It excludes general liability, for the operations shown in the schedule, for injury or damage arising from rendering or failing to render services or advice for appearance or skin enhancement, hair removal or replacement, or personal grooming or therapy.
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.
04 13 edition
Apr 2013, compared with 07 98Latest editionThe exclusion now applies even if claims allege negligent supervision, hiring, employment, training or monitoring of others by the insured.
07 98
Not in this edition
04 13
“allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured”
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 | 122 | 73 | 30 | Dec 2021 to Oct 2026 |
| 07 98Jul 1998 | 5 | 3 | 5 | Aug 2022 to Mar 2024 |
What the filings show
- Edition in use: in the past 12 months, 23 companies filed the 04 13 edition.
- CG 22 43 (Exclusion - Engineers, Architects or Surveyors Professional Liability) is filed alongside it most often, in 125 of the same filings (98%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 45, out of 44 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 |
| Nationwide Corporation Group8 group companies filed it, led by Allied Insurance Company of America and Nationwide Agribusiness Insurance Company | 10 | 3 | 04 13 | Feb 12, 2025 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 9 | 4 | 04 1307 98 | Oct 22, 2026 |
| 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 | 6 | 4 | 04 13 | Sep 8, 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 |
| Tokio Marine Holdings Incorporated GroupSafety National Casualty Corporation | 5 | 1 | 04 13 | Feb 17, 2026 |
| Axis Capital GroupAXIS Insurance Company | 4 | 1 | 04 13 | Apr 11, 2025 |
| Donegal Group3 group companies filed it, led by Atlantic States Insurance Company and Peninsula Insurance Company | 4 | 4 | 04 13 | Dec 15, 2023 |
How the largest insurers handle CG 22 45
Groups among the largest commercial general liability insurers that filed CG 22 45 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 22 45 in 1 filing
- Fairfax Financial GroupUses CG 22 45 in 2 filings
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States
Number of filings that include CG 22 45 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 43Exclusion - Engineers, Architects or Surveyors Professional Liability125 filings
- CG 21 52Exclusion - Financial Services123 filings
- CG 21 57Exclusion - Counseling Services123 filings
- CG 21 59Exclusion - Diagnostic Testing Laboratories123 filings
- CG 22 34Exclusion - Construction Management Errors and Omissions123 filings
- CG 22 48Exclusion - Insurance and Related Operations123 filings
- CG 22 24Exclusion - Inspection, Appraisal and Survey Companies122 filings
- CG 22 33Exclusion - Testing or Consulting Errors and Omissions122 filings
- CG 21 16Exclusion - Designated Professional Services121 filings
- CG 22 39Exclusion - Camps or Campgrounds121 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 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 04 13 | SFBC-135017175 |
| Aug 13, 2026 | Grange Insurance Association | WA | 04 13 | GRIA-135045514 |
| Jul 10, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 04 13 | SFBC-135013358 |
| 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 |
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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