CG 22 69 Pharmacists

An Insurance Services Office (ISO) standard form. It treats injury or damage from professional pharmacist services allowed by law as caused by an occurrence, with exclusions for willful violations, consulting and prescribing services, and prescribed products, and limits coverage for employees and volunteer workers.

1. 12 25 edition

   Dec 2025, compared with 12 19Latest edition

   • Consulting with customers about the preparation, storage or use of pharmaceutical products is now an exception to the consulting and similar services exclusion, alongside vaccinations.

     12 19

     Not in this edition

     12 25

     “Consulting provided to customers regarding the preparation, storage or use of pharmaceutical products”

2. 12 19 edition

   Dec 2019, compared with 04 13

   • Pharmacist services are deemed caused by an occurrence only when they are required or permitted under applicable state or federal law.

     04 13

     Not in this edition

     12 19

     “as a pharmacist, as required or permitted under any applicable state or federal law, shall be deemed”

   • The willful violation exclusion now also covers violations of state or federal law governing a pharmacist's health care services.

     04 13

     Not in this edition

     12 19

     “or of any applicable state or federal law governing the rendering of health care services by a pharmacist”

   • The consulting exclusion now refers to performing tests generally rather than blood tests and no longer lists managing drug therapy.

     04 13

     “performing blood tests, prescribing or administering of any drugs and managing drug therapy”

     12 19

     Removed

   • The limit on coverage for employees providing health care services now also applies to volunteer workers.

     04 13

     Not in this edition

     12 19

     “or "volunteer workers" are insureds for”

3 other edition dates appear in one or two filings each, often carrier-specific versions: 05 20, 01 96, 10/1/2020.

Where filings record what this form replaced, they name earlier editions 04 13, 12 19. Only some filings record replacements.

• Edition in use: in the past 12 months, 24 companies filed the 12 19 edition and 11 companies filed 12 25.
• The newer 12 25 edition first appears Jul 12, 2024 and has been filed by 17 companies in 40 states so far.
• CG 21 66 (Exclusion - Volunteer Workers as Insureds) is filed alongside it most often, in 196 of the same filings (98%).

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.

• Berkshire Hathaway GroupUses CG 22 69 in 1 filing
• Fairfax Financial GroupUses CG 22 69 in 1 filing

• CG 21 66Exclusion - Volunteer Workers as Insureds196 filings
• CG 21 37Exclusion - Employees and Volunteer Workers as Insureds191 filings
• CG 22 97Pharmacists – Broadened Coverage186 filings
• CG 40 14Cannabis Exclusion165 filings
• CG 40 16Cannabis Exclusion with Hemp and Lessors Risk Exceptions163 filings
• CG 04 37Electronic Data Liability161 filings
• CG 24 09Governmental Subdivisions160 filings
• CG 21 06Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - with Limited Bodily Injury Exception158 filings
• CG 40 15Cannabis Exclusion with Hemp Exception157 filings
• CG 22 76Professional Liability Exclusion - Health or Exercise Clubs or Commercially Operated Health or Exercise Facilities155 filings