Coverage description
An Insurance Services Office (ISO) standard form. It excludes bodily injury and property damage caused by fungi or bacteria in a building, and cleanup or remediation costs, under owners and contractors protective and products-completed operations coverage.
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 04Dec 2004Latest | 86 | 45 | 20 | Dec 2021 to Oct 2026 |
Filed by one company only: 04 02 (Indiana Farmers Mutual Group, 3 filings).
What the filings show
- Edition in use: in the past 12 months, 13 companies filed the 12 04 edition.
- The 04 02 edition appears only in filings from Indiana Farmers Mutual Group (3 filings in 3 states since Oct 6, 2023), which suggests a carrier-specific version.
- CG 21 00 (Exclusion - All Hazards in Connection with Designated Premises) is filed alongside it most often, in 88 of the same filings (99%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 31 31, out of 30 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 16 | 16 | 12 04 | Jan 15, 2026 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 10 | 5 | 12 04 | Oct 22, 2026 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 7 | 3 | 12 04 | Jun 15, 2026 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 12 04 | Jun 26, 2026 |
| Nationwide Corporation Group6 group companies filed it, led by Allied Insurance Company of America and Nationwide Insurance Company of America | 5 | 2 | 12 04 | Feb 12, 2025 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 12 04 | Jun 18, 2026 |
| Tokio Marine Holdings Incorporated GroupSafety National Casualty Corporation | 5 | 1 | 12 04 | Feb 17, 2026 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 4 | 2 | 12 04 | Dec 8, 2025 |
| Indiana Farmers Mutual GroupIndiana Farmers Indemnity Insurance Company | 3 | 3 | 04 02 | Mar 26, 2024 |
| Starr Group2 group companies filed it, led by Starr Indemnity and Liability Company and Starr Specialty Insurance Company | 3 | 1 | 12 04 | Jun 25, 2025 |
How the largest insurers handle CG 31 31
Groups among the largest commercial general liability insurers that filed CG 31 31 or their own version in the past five years.
- Chubb Limited GroupFiles its own version: LD-21943 Fungi or Bacteria Exclusion (1 state)
- Travelers GroupFiles its own version: CG D2 4309 24 Fungi Or Bacteria Exclusion (7 states)
- WR Berkley Corporation GroupFiles its own version: CL PL 2105 Fungi or Bacteria Exclusion (3 states)
- Fairfax Financial GroupUses CG 31 31 in 1 filing
See more forms
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States
Number of filings that include CG 31 31 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 21 00Exclusion - All Hazards in Connection with Designated Premises88 filings
- CG 21 34Exclusion - Designated Work (for Use with Cgl and Products Policies)88 filings
- CG 21 53Exclusion - Designated Ongoing Operations88 filings
- CG 21 47Employment- Related Practices Exclusion87 filings
- CG 04 35Employee Benefits Liability Coverage86 filings
- CG 21 33Exclusion - Designated Products (for Use with Cgl and Products Policies)86 filings
- CG 22 79Exclusion - Contractors - Professional Liability86 filings
- CG 03 00Deductible Liability Insurance (for Use with Cgl and Products Policies)85 filings
- CG 22 75Professional Liability Exclusion - Computer Software85 filings
- CG 21 04Exclusion - Products/Complete D Operations Hazard84 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 04 | STNA-135128706 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 12 04 | CHMU-134947220 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 12 04 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 12 04 | BEAC-134983795 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 12 04 | MRTN-134978899 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 12 04 | MRTN-134978902 |
| Jun 1, 2026 | CopperPoint Casualty Insurance Companyand 1 more | SC | 12 04 | COPP-134966665 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 12 04 | SFCC-134814522 |
| Feb 6, 2026 | Crum and Forster Indemnity Company | CA | 12 04 | CRUM-134831877 |
| Jan 15, 2026 | Associated Indemnity Corporation | WI | 12 04 | ADWC-134802679 |
| Dec 22, 2025 | Associated Indemnity Corporation | VA | 12 04 | ADWC-134768154 |
| Dec 22, 2025 | Associated Indemnity Corporation | OK | 12 04 | ADWC-134780132 |
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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