Coverage description
An Insurance Services Office (ISO) standard form. It treats injury or damage from listed optical and hearing aid services, such as making, fitting and selling lenses or hearing aids, as caused by an occurrence, and keeps employees and volunteer workers insured for those services.
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 19 edition
Dec 2019, compared with 09 99Latest editionCovered professional health care services are now limited to the listed optical and hearing aid services instead of including them as examples.
09 99
“failure to render professional health care services, including:”
12 19
“failure to render the following professional health care services”
Volunteer workers, not just employees, are now insureds for the listed professional health care services.
09 99
“none of these "employees" is an insured”
12 19
“none of these "employees" or "volunteer workers" are insureds”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 19Dec 2019Latest | 123 | 68 | 34 | Nov 2021 to Oct 2026 |
| 09 99Sep 1999 | 20 | 16 | 10 | Dec 2021 to Jun 2026 |
4 other edition dates appear in one or two filings each, often carrier-specific versions: 05 20, 01 96, 10 93, 10/1/2020.
Where filings record what this form replaced, they name earlier edition 09 99 and other forms CG 25 65. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 29 companies filed the 12 19 edition and 1 company filed 09 99.
- CG 20 18 (Additional Insured - Mortgagee, Assignee or Receiver) is filed alongside it most often, in 143 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 65, out of 41 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 16 | 16 | 12 19 | Oct 23, 2023 |
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 16 | 16 | 12 19 | Jan 15, 2026 |
| Nationwide Corporation Group8 group companies filed it, led by Nationwide Agribusiness Insurance Company and Nationwide Insurance Company of America | 14 | 4 | 09 9912 19 | Oct 21, 2026 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 9 | 4 | 12 1909 99 | Oct 22, 2026 |
| Tokio Marine Holdings Incorporated Group4 group companies filed it, led by Safety National Casualty Corporation and TNUS Insurance Company | 8 | 2 | 12 19 | Feb 17, 2026 |
| Sompo GroupSompo America Insurance Company | 7 | 2 | 12 19 | Jun 18, 2026 |
| Starr Group2 group companies filed it, led by Starr Indemnity and Liability Company and Starr Specialty Insurance Company | 7 | 2 | 12 1909 9910/1/2020 | Apr 13, 2026 |
| Grange Mutual CAS Group3 group companies filed it, led by Grange Indemnity Insurance Company and Grange Insurance Company | 6 | 6 | 12 19 | Mar 28, 2024 |
| Hastings Mutual Insurance Company | 6 | 5 | 12 19 | Mar 13, 2025 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 6 | 2 | 12 19 | Jun 15, 2026 |
How the largest insurers handle CG 22 65
Groups among the largest commercial general liability insurers that filed CG 22 65 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 22 65 in 1 filing
- Fairfax Financial GroupUses CG 22 65 in 1 filing
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States
Number of filings that include CG 22 65 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 20 18Additional Insured - Mortgagee, Assignee or Receiver143 filings
- CG 20 27Additional Insured - Co-Owner of Insured Premises143 filings
- CG 20 12Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations142 filings
- CG 20 15Additional Insured - Vendors142 filings
- CG 20 24Additional Insured - Owners or Other Interests From Whom Land Has Been Leased142 filings
- CG 22 36Exclusion – Limited Products and Professional Services – Pharmacists142 filings
- CG 24 04Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation)142 filings
- CG 20 05Additional Insured - Controlling Interest141 filings
- CG 20 11Additional Insured - Managers or Lessors of Premises141 filings
- CG 20 13Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations Relating to Premises141 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 19 | STNA-135128706 |
| Oct 21, 2026 | Allied Insurance Company of Americaand 4 more | CA | 12 19 | NWPP-G135131050 |
| Oct 6, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CA | 12 19 | CNAB-135091690 |
| Aug 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 12 19 | SFBC-135017175 |
| Jul 10, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 12 19 | SFBC-135013358 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 12 19 | CHMU-134947220 |
| Jun 24, 2026 | Southern Trust Insurance Company | GA | 12 19 | STTR-134864949 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 12 19 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 12 1909 99 | BEAC-134983795 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 12 19 | MRTN-134978899 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 12 19 | MRTN-134978902 |
| Apr 13, 2026 | Starr Indemnity and Liability Company | CA | 12 19 | SILC-134905933 |
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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