Coverage description
An Insurance Services Office (ISO) standard form. It excludes owners and contractors protective liability for injury or damage arising out of cannabis activities or exposure to cannabis, and for damage to cannabis, with a narrow exception for consumption by a contractor or others you are responsible for.
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.
12 20 edition
Dec 2020, compared with 12 19Latest editionUnder the principals protective coverage, the list of excluded cannabis activities is broadened to include cultivation, storage, processing, packaging, handling, testing and disposal.
12 19
“The design, manufacture, distribution, sale, serving, furnishing, use or possession of "cannabis"”
12 20
Removed
Under the principals protective coverage, the consumption exception now applies to an independent contractor or its employees while engaged in the operations, instead of a contractor and persons it is responsible for.
12 19
“(3) Any other person for whom the "contractor" is legally responsible”
12 20
“(1) An independent contractor; or (2) Any "employee" of an independent contractor;”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 20Dec 2020Latest | 106 | 70 | 18 | Jan 2022 to Oct 2026 |
| 12 19Dec 2019 | 26 | 30 | 11 | Dec 2021 to Jan 2026 |
What the filings show
- Edition in use: in the past 12 months, 25 companies filed the 12 20 edition and 3 companies filed 12 19.
- CG 40 14 (Cannabis Exclusion) is filed alongside it most often, in 121 of the same filings (93%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 34 46, out of 44 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Nationwide Corporation Group9 group companies filed it, led by Nationwide Insurance Company of America and Nationwide Mutual Insurance Company | 14 | 3 | 12 1912 20 | Oct 21, 2026 |
| Markel Corporation GroupState National Insurance Company, Inc. | 9 | 3 | 12 20 | Oct 22, 2026 |
| Tokio Marine Holdings Incorporated Group4 group companies filed it, led by Safety National Casualty Corporation and TNUS Insurance Company | 9 | 2 | 12 20 | Feb 17, 2026 |
| Pekin Insurance GroupPekin Insurance Company | 7 | 6 | 12 20 | Feb 16, 2023 |
| Sompo GroupSompo America Insurance Company | 7 | 2 | 12 20 | Jun 18, 2026 |
| Hastings Mutual Insurance Company | 6 | 5 | 12 20 | Mar 13, 2025 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 6 | 2 | 12 20 | Jun 15, 2026 |
| Fairfax Financial Group4 group companies filed it, led by Crum and Forster Indemnity Company and Seneca Insurance Company, Inc. | 5 | 1 | 12 20 | Feb 6, 2026 |
| Grange Mutual CAS Group3 group companies filed it, led by Grange Indemnity Insurance Company and Grange Insurance Company | 5 | 5 | 12 19 | Mar 28, 2024 |
| American Inter-Fidelity Exchange | 4 | 4 | 12 20 | Oct 13, 2022 |
How the largest insurers handle CG 34 46
Groups among the largest commercial general liability insurers that filed CG 34 46 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 34 46 in 1 filing
- WR Berkley Corporation GroupFiles its own version: CG PA 4014 Cannabis Exclusion (1 state)
- Fairfax Financial GroupUses CG 34 46 in 4 filings
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States
Number of filings that include CG 34 46 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 40 14Cannabis Exclusion121 filings
- CG 40 16Cannabis Exclusion with Hemp and Lessors Risk Exceptions117 filings
- CG 34 47Cannabis Exclusion with Hemp Exception113 filings
- CG 40 15Cannabis Exclusion with Hemp Exception112 filings
- CG 23 05Cannabis Exclusion with Hemp Exception Subject to Hemp Aggregate Limit92 filings
- CG 23 06Cannabis Exclusion with Designated Product or Work Exception Subject to Cannabis Products/Complete D Operations Aggregate Limit86 filings
- CG 40 25Exclusion - Designated Cannabis Products86 filings
- CG 40 26Exclusion - Cannabis Products86 filings
- CG 23 04Cannabis Activity Coverage Aggregate Limit85 filings
- CG 24 04Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation)85 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 20 | STNA-135128706 |
| Oct 21, 2026 | Allied Insurance Company of Americaand 4 more | CA | 12 20 | NWPP-G135131050 |
| Jul 2, 2026 | State National Insurance Company, Inc. | CO | 12 20 | STNA-135002472 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 12 20 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 12 20 | BEAC-134983795 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 12 20 | MRTN-134978899 |
| Jun 15, 2026 | SiriusPoint America Insurance Company | CO | 12 20 | MRTN-134978902 |
| Mar 20, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | CO | 12 20 | CNAB-134872676 |
| Feb 24, 2026 | American Casualty Company of Reading, Pennsylvaniaand 5 more | SC | 12 20 | CNAB-134851008 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 12 20 | SFCC-134814522 |
| Feb 6, 2026 | Crum and Forster Indemnity Company | CA | 12 20 | CRUM-134831877 |
| Jan 23, 2026 | Everest Denali Insurance Companyand 2 more | CA | 12 2012 19 | EVST-134799731 |
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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