Coverage description
An Insurance Services Office (ISO) standard form. It treats injury from a pharmacist's professional health care services, as permitted by law, as caused by an occurrence, excludes willful violations of pharmacy laws, and covers employees for their pharmacist services.
How the form has changed
4 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 10 01Covered pharmacist services are now limited to those required or permitted under applicable state or federal law.
10 01
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 laws governing pharmacist health care services.
10 01
“relating to the sale of pharmaceuticals by or with the knowledge”
12 19
“or of any applicable state or federal law governing the rendering of health care services as a pharmacist”
The exclusion now applies even when claims allege negligent supervision, hiring, training or monitoring of others.
10 01
Not in this edition
12 19
“This exclusion applies even if the claims against any insured allege negligence”
Volunteer workers, like employees, are now covered for health care services only when acting as pharmacists.
10 01
Not in this edition
12 19
“none of these "employees" or "volunteer workers" are insureds for”
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 | 62 | 17 | 40 | Jul 2024 to Aug 2026 |
| 12 19Dec 2019 | 111 | 58 | 31 | Nov 2021 to Oct 2026 |
| 10 01Oct 2001 | 15 | 14 | 10 | Dec 2021 to Jun 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 10/1/2020.
Where filings record what this form replaced, they name earlier editions 10 01, 12 19. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 21 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 22 69 (Pharmacists) is filed alongside it most often, in 186 of the same filings (100%).
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 97, out of 39 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 | 33 | 23 | 12 2512 19 | Aug 26, 2026 |
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 16 | 16 | 12 19 | Jan 15, 2026 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 9 | 4 | 12 1910 01 | 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 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 7 | 2 | 12 1912 25 | Jun 15, 2026 |
| Sompo GroupSompo America Insurance Company | 7 | 2 | 12 19 | Jun 18, 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 |
| Nationwide Corporation Group7 group companies filed it, led by Allied Insurance Company of America and Nationwide Agribusiness Insurance Company | 6 | 3 | 10 0112 19 | Feb 12, 2025 |
How the largest insurers handle CG 22 97
Groups among the largest commercial general liability insurers that filed CG 22 97 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 22 97 in 1 filing
- Fairfax Financial GroupUses CG 22 97 in 1 filing
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CG 22 97 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 69Pharmacists186 filings
- CG 21 37Exclusion - Employees and Volunteer Workers as Insureds185 filings
- CG 21 66Exclusion - Volunteer Workers as Insureds185 filings
- CG 40 14Cannabis Exclusion158 filings
- CG 40 16Cannabis Exclusion with Hemp and Lessors Risk Exceptions157 filings
- CG 24 09Governmental Subdivisions156 filings
- CG 04 37Electronic Data Liability155 filings
- CG 40 15Cannabis Exclusion with Hemp Exception151 filings
- CG 21 06Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - with Limited Bodily Injury Exception146 filings
- CG 21 44Limitation of Coverage to Designated Premises, Project or Operation146 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 |
| 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 | 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 2512 1910 01 | 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 |
| Jun 4, 2026 | The Cincinnati Casualty Companyand 2 more | RI | 12 25 | CNNA-134875418 |
| May 20, 2026 | The Cincinnati Casualty Companyand 2 more | MD | 12 25 | CNNA-134879009 |
| May 19, 2026 | Employers Insurance Company of Wausauand 5 more | KY | 12 25 | LWCM-134952492 |
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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