Coverage description
An Insurance Services Office (ISO) standard form. It has the insurer give up the insured's charitable immunity as a defense in adjusting claims and defending suits, unless the insured asks in writing that it not do so. The waiver does not make the insurer pay more than the applicable limit.
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 11 85Nov 1985Latest | 132 | 73 | 30 | Nov 2021 to Oct 2026 |
What the filings show
- Edition in use: in the past 12 months, 22 companies filed the 11 85 edition.
- CG 20 02 (Additional Insured - Club Members) is filed alongside it most often, in 128 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 24 03, out of 43 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 17 | 17 | 11 85 | Sep 3, 2026 |
| Nationwide Corporation Group7 group companies filed it, led by Nationwide Mutual Insurance Company and Allied Insurance Company of America | 11 | 5 | 11 85 | Feb 12, 2025 |
| Markel Corporation Group3 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 9 | 5 | 11 85 | Oct 22, 2026 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 8 | 3 | 11 85 | Jun 15, 2026 |
| Starr Group2 group companies filed it, led by Starr Indemnity and Liability Company and Starr Specialty Insurance Company | 6 | 4 | 11 85 | Sep 8, 2025 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 11 85 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 11 85 | Jun 18, 2026 |
| Tokio Marine Holdings Incorporated GroupSafety National Casualty Corporation | 5 | 1 | 11 85 | Feb 17, 2026 |
| Ambac Financial GroupEverspan Insurance Company | 4 | 4 | 11 85 | Jun 17, 2025 |
| CNA Insurance Group6 group companies filed it, led by American Casualty Company of Reading, Pennsylvania and Continental Casualty Company | 4 | 4 | 11 85 | Oct 6, 2026 |
How the largest insurers handle CG 24 03
Groups among the largest commercial general liability insurers that filed CG 24 03 or their own version in the past five years.
- WR Berkley Corporation GroupUses CG 24 03 in 2 filings
- Fairfax Financial GroupUses CG 24 03 in 2 filings
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States
Number of filings that include CG 24 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 20 02Additional Insured - Club Members128 filings
- CG 21 34Exclusion - Designated Work (for Use with Cgl and Products Policies)128 filings
- CG 21 38Exclusion - Personal and Advertising Injury128 filings
- CG 20 04Additional Insured - Condominium Unit Owners127 filings
- CG 22 52Exclusion - Medical Payments Coverage (Inmates, Patients or Prisoners)126 filings
- CG 20 25Additional Insured - Elective or Appointive Executive Officers of Public Corporations125 filings
- CG 21 39Contractual Liability Limitation124 filings
- CG 21 33Exclusion - Designated Products (for Use with Cgl and Products Policies)123 filings
- CG 22 42Exclusion - Existence or Maintenance of Streets, Roads, Highways or Bridges123 filings
- CG 20 20Additional Insured - Charitable Institutions120 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 | 11 85 | STNA-135128706 |
| Oct 6, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CA | 11 85 | CNAB-135091690 |
| Sep 3, 2026 | Associated Indemnity Corporation | TX | 11 85 | ADWC-135065831 |
| Aug 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 11 85 | SFBC-135017175 |
| Jul 10, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 11 85 | SFBC-135013358 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 11 85 | CHMU-134947220 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 11 85 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 11 85 | BEAC-134983795 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | SC | 11 85 | BEAC-134983796 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 11 85 | MRTN-134978899 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 11 85 | MRTN-134978902 |
| Jun 2, 2026 | Zenith Insurance Company | CA | 11 85 | ZICO-134965759 |
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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