Coverage description
An Insurance Services Office (ISO) standard form. It excludes bodily injury, property damage and personal and advertising injury from medical, nursing, health, therapeutic or grooming services by any insured, and excludes medical payments for injury to anyone in the insured's care.
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 98The exclusion now applies even when claims allege negligent supervision, hiring, training or monitoring of others connected to the excluded services.
07 98
Not in this edition
04 13
“involved the rendering of or failure to render by any insured that which is described in Paragraph 1., 2. or 3.”
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 | 17 | 40 | Jul 2024 to Aug 2026 |
| 04 13Apr 2013 | 122 | 68 | 30 | Dec 2021 to Oct 2026 |
| 07 98Jul 1998 | 7 | 4 | 6 | Aug 2022 to Mar 2024 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 09 97.
Where filings record what this form replaced, they name earlier edition 04 13. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 21 companies filed the 04 13 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 22 76 (Professional Liability Exclusion - Health or Exercise Clubs or Commercially Operated Health or Exercise Facilities) is filed alongside it most often, in 186 of the same filings (97%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 87, out of 46 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 2504 13 | Aug 26, 2026 |
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 16 | 16 | 04 13 | Jan 15, 2026 |
| Berkshire Hathaway Group2 group companies filed it, led by Berkshire Hathaway Homestate Insurance Company and Redwood Fire and Casualty Insurance Company | 11 | 11 | 04 1307 98 | Jan 9, 2023 |
| 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 | 8 | 3 | 04 1312 25 | 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 |
How the largest insurers handle CG 22 87
Groups among the largest commercial general liability insurers that filed CG 22 87 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 22 87 in 10 filings
- Fairfax Financial GroupUses CG 22 87 in 1 filing
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States
Number of filings that include CG 22 87 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 76Professional Liability Exclusion - Health or Exercise Clubs or Commercially Operated Health or Exercise Facilities186 filings
- CG 22 88Professional Liability Exclusion - Electronic Data Processing Services and Computer Consulting or Programming Services185 filings
- CG 22 75Professional Liability Exclusion - Computer Software181 filings
- CG 22 91Exclusion - Telecommunication Equipment or Service Providers Errors and Omissions181 filings
- CG 21 66Exclusion - Volunteer Workers as Insureds178 filings
- CG 22 52Exclusion - Medical Payments Coverage (Inmates, Patients or Prisoners)174 filings
- CG 22 56Exclusion - Injury to Volunteer Firefighters174 filings
- CG 22 68Operation of Customers Autos on Particular Premises174 filings
- CG 21 44Limitation of Coverage to Designated Premises, Project or Operation172 filings
- CG 22 40Exclusion - Medical Payments - Day Care Centers171 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 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 |
| Aug 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 04 13 | SFBC-135017175 |
| 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 | 12 2504 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 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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