Coverage description
An Insurance Services Office (ISO) standard form. It excludes owners and contractors protective liability for bodily injury or property damage arising from the design, installation, repair or other work on any exterior insulation and finish system (EIFS) or substantially similar system.
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 04Latest editionThe definition of an exterior insulation and finish system now covers systems that include the listed components, rather than only systems consisting of them, and the insulation board may be polystyrene or other materials.
12 04
“used on any part of any structure, and consisting of:”
12 25
“used on any part of any structure, and which includes:”
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 | 43 | 13 | 37 | Jul 2024 to Jun 2026 |
| 12 04Dec 2004 | 74 | 51 | 11 | Dec 2021 to Oct 2026 |
Where filings record what this form replaced, they name earlier edition 12 04. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 17 companies filed the 12 04 edition and 8 companies filed 12 25.
- The newer 12 25 edition first appears Jul 12, 2024 and has been filed by 13 companies in 37 states so far.
- CG 21 86 (Exclusion - Exterior Insulation and Finish Systems) is filed alongside it most often, in 114 of the same filings (98%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 66, out of 34 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 36 | 36 | 12 25 | Mar 26, 2025 |
| Nationwide Corporation Group7 group companies filed it, led by Allied Insurance Company of America and Nationwide Insurance Company of America | 8 | 3 | 12 04 | Feb 12, 2025 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 8 | 3 | 12 0412 25 | Jun 15, 2026 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel American Insurance Company | 7 | 4 | 12 04 | Oct 22, 2026 |
| 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 | 3 | 2 | 12 04 | Dec 8, 2025 |
| CNA Insurance Group6 group companies filed it, led by American Casualty Company of Reading, Pennsylvania and Continental Casualty Company | 3 | 3 | 12 04 | Oct 6, 2026 |
| Clear Blue Financial GroupClear Blue Insurance Company | 3 | 2 | 12 04 | Nov 12, 2025 |
| Liberty Mutual Group6 group companies filed it, led by Employers Insurance Company of Wausau and LM Insurance Corporation | 3 | 3 | 12 25 | May 19, 2026 |
How the largest insurers handle CG 31 66
Groups among the largest commercial general liability insurers that filed CG 31 66 or their own version in the past five years.
- Chubb Limited GroupFiles its own version: CB CG 210059 Exclusion - Exterior Insulation And Finish Systems (4 states)
- WR Berkley Corporation GroupFiles its own version: CL PL 2101 Exclusion - Exterior Insulation and Finish Systems (4 states)
- Fairfax Financial GroupUses CG 31 66 in 1 filing
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States
Number of filings that include CG 31 66 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 86Exclusion - Exterior Insulation and Finish Systems114 filings
- CG 22 87Exclusion - Adult Day Care Centers113 filings
- CG 20 22Additional Insured - Church Members and Officers112 filings
- CG 22 52Exclusion - Medical Payments Coverage (Inmates, Patients or Prisoners)112 filings
- CG 22 56Exclusion - Injury to Volunteer Firefighters109 filings
- CG 22 68Operation of Customers Autos on Particular Premises109 filings
- CG 22 76Professional Liability Exclusion - Health or Exercise Clubs or Commercially Operated Health or Exercise Facilities109 filings
- CG 22 29Exclusion - Property Entrusted108 filings
- CG 22 40Exclusion - Medical Payments - Day Care Centers108 filings
- CG 22 74Limited Contractual Liability Coverage for Personal and Advertising Injury108 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 |
| Oct 6, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CA | 12 04 | CNAB-135091690 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 12 04 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 12 2512 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 |
| 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 |
| Mar 25, 2026 | SiriusPoint America Insurance Company | CO | 12 25 | MRTN-134759782 |
| Mar 20, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CO | 12 04 | CNAB-134872676 |
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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