Coverage description
An Insurance Services Office (ISO) standard form. It excludes general liability for injury or damage arising out of cannabis, but gives back coverage for lawful hemp goods and products, subject to a separate hemp aggregate limit shown in the schedule.
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.
12 25 edition
Dec 2025, compared with 12 20Latest editionThe exception for wrongful eviction or entry offenses now also applies to premises occupied by an organization, not only by a person.
12 20
Not in this edition
12 25
“that a person or organization occupies”
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 | 44 | 14 | 37 | Jul 2024 to Jun 2026 |
| 12 20Dec 2020 | 102 | 85 | 15 | Jan 2022 to Oct 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 02/15/2022.
Where filings record what this form replaced, they name earlier edition 12 20. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 22 companies filed the 12 20 edition and 8 companies filed 12 25.
- The newer 12 25 edition first appears Jul 12, 2024 and has been filed by 14 companies in 37 states so far.
- CG 40 14 (Cannabis Exclusion) is filed alongside it most often, in 141 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 23 05, out of 42 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 38 | 37 | 12 2512 20 | Apr 9, 2025 |
| Markel Corporation GroupState National Insurance Company, Inc. | 9 | 3 | 12 20 | Oct 22, 2026 |
| Tokio Marine Holdings Incorporated Group4 group companies filed it, led by Safety National Casualty Corporation and TNUS Insurance Company | 9 | 2 | 12 20 | Feb 17, 2026 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 7 | 2 | 12 2012 25 | Jun 15, 2026 |
| Sompo GroupSompo America Insurance Company | 7 | 2 | 12 20 | Jun 18, 2026 |
| Hastings Mutual Insurance Company | 6 | 5 | 12 20 | Mar 13, 2025 |
| CNA Insurance Group6 group companies filed it, led by American Casualty Company of Reading, Pennsylvania and Continental Casualty Company | 5 | 3 | 12 20 | Oct 6, 2026 |
| Fairfax Financial Group4 group companies filed it, led by Crum and Forster Indemnity Company and Seneca Insurance Company, Inc. | 5 | 1 | 12 20 | Feb 6, 2026 |
| Liberty Mutual Group7 group companies filed it, led by Employers Insurance Company of Wausau and LM Insurance Corporation | 5 | 5 | 12 2512 20 | May 19, 2026 |
| American Inter-Fidelity Exchange | 4 | 4 | 12 20 | Oct 13, 2022 |
How the largest insurers handle CG 23 05
Groups among the largest commercial general liability insurers that filed CG 23 05 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 23 05 in 1 filing
- WR Berkley Corporation GroupUses CG 23 05 in 4 filings
- Fairfax Financial GroupUses CG 23 05 in 4 filings
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States
Number of filings that include CG 23 05 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 40 14Cannabis Exclusion141 filings
- CG 40 16Cannabis Exclusion with Hemp and Lessors Risk Exceptions140 filings
- CG 40 15Cannabis Exclusion With Hemp Exception134 filings
- CG 21 66Exclusion – Volunteer Workers As Insureds107 filings
- CG 21 37Exclusion – Employees And Volunteer Workers As Insureds106 filings
- CG 22 69Pharmacists106 filings
- CG 22 97Pharmacists – Broadened Professional Services Coverage104 filings
- CG 34 12Amendment Of Coverage Territory – Worldwide Coverage100 filings
- CG 34 13Amendment Of Coverage Territory – Additional Scheduled Countries100 filings
- CG 34 14Amendment Of Coverage Territory – Worldwide Coverage With Specified Exceptions100 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 20 | STNA-135128706 |
| Oct 6, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CA | 12 20 | CNAB-135091690 |
| Jul 24, 2026 | Intrepid Casualty Company | CA | 12 20 | BNIC-135022795 |
| Jul 2, 2026 | State National Insurance Company, Inc. | CO | 12 20 | STNA-135002472 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 12 20 | CHMU-134947220 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 12 20 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 12 2512 20 | BEAC-134983795 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 12 20 | MRTN-134978899 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 12 20 | MRTN-134978902 |
| May 19, 2026 | Employers Insurance Company of Wausauand 5 more | KY | 12 25 | LWCM-134952492 |
| May 15, 2026 | Employers Insurance Company of Wausauand 5 more | NM | 12 25 | LWCM-134951490 |
| May 14, 2026 | Employers Insurance Company of Wausauand 5 more | CO | 12 25 | LWCM-134945757 |
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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