Coverage description
An Insurance Services Office (ISO) standard form. It excludes injury and damage from professional health care services at optical and hearing aid businesses, such as making, fitting or selling lenses and hearing aids, except within the products-completed operations hazard.
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 | 116 | 62 | 34 | Nov 2021 to Oct 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 10/1/2020.
What the filings show
- Edition in use: in the past 12 months, 23 companies filed the 12 19 edition.
- CG 23 02 (Exclusion – Professional Services – Pharmacists) is filed alongside it most often, in 117 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 23 03, out of 36 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 |
| 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 |
| 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 |
| Markel Corporation GroupState National Insurance Company, Inc. | 6 | 4 | 12 19 | Oct 22, 2026 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 6 | 2 | 12 19 | Jun 15, 2026 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 12 19 | Jun 26, 2026 |
| Starr Group2 group companies filed it, led by Starr Indemnity and Liability Company and Starr Specialty Insurance Company | 4 | 1 | 12 1910/1/2020 | Jun 25, 2025 |
How the largest insurers handle CG 23 03
Groups among the largest commercial general liability insurers that filed CG 23 03 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 23 03 in 1 filing
- Fairfax Financial GroupUses CG 23 03 in 1 filing
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States
Number of filings that include CG 23 03 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 23 02Exclusion – Professional Services – Pharmacists117 filings
- CG 21 41Exclusion – Intercompany Products Suits116 filings
- CG 22 36Exclusion – Limited Products and Professional Services – Pharmacists116 filings
- CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations115 filings
- CG 20 15Additional Insured – Vendors115 filings
- CG 20 18Additional Insured – Mortgagee, Assignee or Receiver115 filings
- CG 20 27Additional Insured – Co-Owner of Insured Premises115 filings
- CG 20 29Additional Insured – Grantor of Franchise115 filings
- CG 21 66Exclusion – Volunteer Workers as Insureds115 filings
- CG 24 04Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation)115 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 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 19 | 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 |
| Mar 20, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CO | 12 19 | CNAB-134872676 |
| Feb 24, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | SC | 12 19 | CNAB-134851008 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 12 19 | SFCC-134814522 |
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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