Coverage description
An Insurance Services Office (ISO) standard form. It turns the Owners and Contractors Protective Coverage Part into principals protective coverage for bodily injury to independent contractors and their employees working for you, and for injury arising from their activities, with its own exclusions and conditions.
How the form has changed
2 changes 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 10 01Latest editionThe pollution exclusion exception for building heating equipment now also covers equipment used to cool or dehumidify the building or heat water for occupants.
10 01
“soot from equipment used to heat that building”
04 13
“equipment that is used to heat water for personal use”
The exception to the aircraft, auto or watercraft exclusion now includes machinery attached to land vehicles that would be mobile equipment if not subject to motor vehicle insurance laws.
10 01
Not in this edition
04 13
“a land vehicle that would qualify under the definition”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 04 13Apr 2013Latest | 87 | 47 | 26 | Nov 2021 to Oct 2026 |
| 10 01Oct 2001 | 4 | 2 | 4 | Feb 2023 to Mar 2024 |
3 other edition dates appear in one or two filings each, often carrier-specific versions: 12 07, 12 04, 01 96.
Where filings record what this form replaced, they name other forms G 28 07. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 15 companies filed the 04 13 edition.
- CG 22 70 (Real Estate Property Managed) is filed alongside it most often, in 88 of the same filings (95%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 28 07, out of 30 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 | 17 | 17 | 04 13 | Jan 4, 2023 |
| Nationwide Corporation Group7 group companies filed it, led by Allied Insurance Company of America and Nationwide Insurance Company of America | 8 | 3 | 04 13 | Feb 12, 2025 |
| Markel Corporation GroupState National Insurance Company, Inc. | 7 | 3 | 04 1312 07 | Oct 22, 2026 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 7 | 3 | 04 13 | Jun 15, 2026 |
| Hastings Mutual Insurance Company | 6 | 5 | 04 13 | Mar 13, 2025 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 04 13 | Jun 18, 2026 |
| Tokio Marine Holdings Incorporated GroupSafety National Casualty Corporation | 5 | 1 | 04 13 | Feb 17, 2026 |
| Axis Capital GroupAXIS Insurance Company | 4 | 1 | 04 13 | Apr 11, 2025 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 3 | 2 | 04 13 | Dec 8, 2025 |
| Indiana Farmers Mutual GroupIndiana Farmers Indemnity Insurance Company | 3 | 3 | 10 01 | Mar 26, 2024 |
How the largest insurers handle CG 28 07
Groups among the largest commercial general liability insurers that filed CG 28 07 or their own version in the past five years.
- Fairfax Financial GroupUses CG 28 07 in 1 filing
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CG 28 07 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 70Real Estate Property Managed88 filings
- CG 28 12Pesticide or Herbicide Applicator - Limited Pollution Coverage88 filings
- CG 24 05Financial Institutions - Fiduciary Interest Only86 filings
- CG 21 51Amendment of Liquor Liability Exclusion - Exception for Scheduled Premises or Activities85 filings
- CG 31 15Construction Project Management Protective Liability Coverage84 filings
- CG 20 31Additional Insured - Engineers, Architects or Surveyors83 filings
- CG 21 35Exclusion - Coverage C - Medical Payments83 filings
- CG 21 42Exclusion - Explosion, Collapse, and Underground Property Damage Hazard (Specified Operations)83 filings
- CG 21 45Exclusion - Damage to Premises Rented to You83 filings
- CG 21 66Exclusion – Volunteer Workers as Insureds83 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 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 04 13 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 04 1312 04 | 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 |
| Mar 20, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CO | 04 13 | CNAB-134872676 |
| Feb 24, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | SC | 04 13 | CNAB-134851008 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 04 13 | SFCC-134814522 |
| Feb 6, 2026 | Crum and Forster Indemnity Company | CA | 04 13 | CRUM-134831877 |
| Dec 9, 2025 | Universal North America Insurance Company | SC | 04 13 | UNAC-134760136 |
| Dec 8, 2025 | Accelerant National Insurance Company | CA | 04 13 | MRTN-134722366 |
| Nov 12, 2025 | Clear Blue Insurance Company | CA | 04 13 | MRTN-134668825 |
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
See more carrier forms
Search forms by carrier, line of business, state, and wording with FilingFocus.