Coverage description
An Insurance Services Office (ISO) standard form. It sets a separate aggregate limit for bodily injury and property damage arising from fungi or bacteria incidents, with the each occurrence limit applying only while that aggregate lasts. Fungi or bacteria in goods meant for consumption are not subject to it.
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 | 63 | 38 | 7 | Dec 2021 to Oct 2026 |
What the filings show
- Edition in use: in the past 12 months, 10 companies filed the 12 04 edition.
- CG 21 00 (Exclusion - All Hazards in Connection with Designated Premises) is filed alongside it most often, in 63 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 31 32, out of 24 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 8 | 4 | 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 |
| 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 |
| AU Holding Company GroupContinental Indemnity Company | 2 | 2 | 12 04 | May 3, 2024 |
| Amtrust Financial Services Group3 group companies filed it, led by First Nonprofit Insurance Company and Republic Fire and Casualty Insurance Company | 2 | 1 | 12 04 | Feb 8, 2023 |
How the largest insurers handle CG 31 32
Groups among the largest commercial general liability insurers that filed CG 31 32 or their own version in the past five years.
- Fairfax Financial GroupUses CG 31 32 in 1 filing
See more forms
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States
Number of filings that include CG 31 32 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 Premises63 filings
- CG 21 34Exclusion - Designated Work (for Use with Cgl and Products Policies)63 filings
- CG 21 36Exclusion - New Entities63 filings
- CG 21 47Employment- Related Practices Exclusion63 filings
- CG 21 53Exclusion - Designated Ongoing Operations63 filings
- CG 21 55Total Pollution Exclusion with a Hostile Fire Exception63 filings
- CG 21 67Fungi or Bacteria Exclusion63 filings
- CG 21 86Exclusion - Exterior Insulation and Finish Systems63 filings
- CG 22 34Exclusion - Construction Management Errors and Omissions63 filings
- CG 22 43Exclusion - Engineers, Architects or Surveyors Professional Liability63 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 |
| 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 |
| Dec 9, 2025 | Universal North America Insurance Company | SC | 12 04 | UNAC-134760136 |
| Dec 8, 2025 | Accelerant National Insurance Company | CA | 12 04 | MRTN-134722366 |
| Nov 12, 2025 | Clear Blue Insurance Company | CA | 12 04 | MRTN-134668825 |
| Aug 15, 2025 | Clear Blue Insurance Company | SC | 12 04 | FCGA-134640444 |
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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