Coverage description
An Insurance Services Office (ISO) standard form. It excludes property damage to oil, gas, water or other mineral substances caused by saline substances, and resulting damage to other property, arising from operations performed by you or on your behalf.
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 11 85Latest editionThe exclusion now applies to all operations performed by you or on your behalf, not only the operations listed in a schedule.
11 85
“With respect to operations performed by you or on your behalf and shown in the Schedule:”
12 25
“With respect to operations performed by you or on your behalf, this insurance does not apply”
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 |
| 11 85Nov 1985 | 124 | 70 | 27 | Nov 2021 to Oct 2026 |
Where filings record what this form replaced, they name earlier edition 11 85. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 18 companies filed the 11 85 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 52 (Exclusion - Medical Payments Coverage (Inmates, Patients or Prisoners)) is filed alongside it most often, in 183 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 47, out of 45 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 | 19 | 17 | 12 2511 85 | Aug 26, 2026 |
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 17 | 17 | 11 85 | Sep 3, 2026 |
| Markel Corporation Group3 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 10 | 5 | 11 85 | Oct 22, 2026 |
| Nationwide Corporation Group7 group companies filed it, led by Nationwide Mutual Insurance Company and Allied Insurance Company of America | 9 | 5 | 11 85 | Feb 12, 2025 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 9 | 3 | 11 8512 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 | 11 85 | Jan 9, 2023 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 11 85 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 11 85 | Jun 18, 2026 |
| Tokio Marine Holdings Incorporated GroupSafety National Casualty Corporation | 5 | 1 | 11 85 | Feb 17, 2026 |
How the largest insurers handle CG 22 47
Groups among the largest commercial general liability insurers that filed CG 22 47 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 22 47 in 7 filings
- WR Berkley Corporation GroupUses CG 22 47 in 1 filing
- Fairfax Financial GroupUses CG 22 47 in 2 filings
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States
Number of filings that include CG 22 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 22 52Exclusion - Medical Payments Coverage (Inmates, Patients or Prisoners)183 filings
- CG 22 29Exclusion - Property Entrusted178 filings
- CG 22 57Exclusion - Underground Resources and Equipment175 filings
- CG 22 40Exclusion - Medical Payments - Day Care Centers165 filings
- CG 22 56Exclusion - Injury to Volunteer Firefighters163 filings
- CG 22 68Operation of Customers Autos on Particular Premises163 filings
- CG 22 28Amendment - Travel Agency Tours (Limitation of Coverage)162 filings
- CG 22 76Professional Liability Exclusion - Health or Exercise Clubs or Commercially Operated Health or Exercise Facilities162 filings
- CG 22 63Stevedoring Operations Limited Completed Operations Coverage (for Use with Cgl and Products Policies)161 filings
- CG 22 88Professional Liability Exclusion - Electronic Data Processing Services and Computer Consulting or Programming Services160 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 | 11 85 | STNA-135128706 |
| Oct 6, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CA | 11 85 | CNAB-135091690 |
| Sep 3, 2026 | Associated Indemnity Corporation | TX | 11 85 | ADWC-135065831 |
| 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 | 11 85 | CHMU-134947220 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 11 85 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 12 2511 85 | BEAC-134983795 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | SC | 11 85 | BEAC-134983796 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 11 85 | MRTN-134978899 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 11 85 | MRTN-134978902 |
| Jun 4, 2026 | The Cincinnati Casualty Companyand 2 more | RI | 12 25 | CNNA-134875418 |
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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