ISO exclusion · commercial general liability

CG 40 09 Amendment Of Liquor Liability Exclusion - Limited Exception For Bring Your Own Alcohol

Filings
130
latest Oct 22, 2026
Filing companies
76
39 carrier groups
States
34
Latest edition
12 19
Dec 2019

Coverage description

An Insurance Services Office (ISO) standard form. It replaces the general liability liquor exclusion so that letting people bring their own alcohol onto your premises for consumption there, with or without a fee or license, is not by itself treated as selling, serving or furnishing alcohol.

Editions

Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.

EditionFilingsCompaniesStatesFiled
12 19Dec 2019Latest1307634Nov 2021 to Oct 2026

What the filings show

  • Edition in use: in the past 12 months, 31 companies filed the 12 19 edition.
  • CG 24 04 (Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation)) is filed alongside it most often, in 128 of the same filings (98%).

Filed under

Commercial General Liability 106Other Commercial Lines 7Other Liability 7Commercial Package 5Other other liability 2

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 40 09, out of 39 in total.

CarrierFilingsStatesEditions, most filed firstLast filed
WCF Mutual Insurance Company GroupAssociated Indemnity Corporation161612 19Jan 15, 2026
Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company131312 19Jan 4, 2023
Tokio Marine Holdings Incorporated Group4 group companies filed it, led by Safety National Casualty Corporation and TNUS Insurance Company8212 19Feb 17, 2026
Sompo GroupSompo America Insurance Company7212 19Jun 18, 2026
Grange Mutual CAS Group3 group companies filed it, led by Grange Indemnity Insurance Company and Grange Insurance Company6612 19Mar 28, 2024
Hastings Mutual Insurance Company6512 19Mar 13, 2025
Markel Corporation GroupState National Insurance Company, Inc.6412 19Oct 22, 2026
Merchants Mutual Group2 group companies filed it, led by Merchants Preferred Insurance Company and Merchants Mutual Insurance Company6312 19Dec 4, 2025
Siriuspoint GroupSiriusPoint America Insurance Company6212 19Jun 15, 2026
Church Mutual GroupChurch Mutual Insurance Company, S.I.5212 19Jun 26, 2026

How the largest insurers handle CG 40 09

Groups among the largest commercial general liability insurers that filed CG 40 09 or their own version in the past five years.

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States

Number of filings that include CG 40 09 in each state, Oct 2021 to Oct 2026. Darker states have more filings.

Tennessee: 1 filingTN1Alabama: 1 filingAL1Florida: 0 filingsFLGeorgia: 1 filingGA1Oklahoma: 1 filingOK1South Carolina: 3 filingsSC3Arkansas: 2 filingsAR2Missouri: 1 filingMO1Indiana: 3 filingsIN3Louisiana: 1 filingLA1Ohio: 2 filingsOH2Wisconsin: 4 filingsWI4Texas: 0 filingsTXKentucky: 1 filingKY1Iowa: 3 filingsIA3Kansas: 2 filingsKS2Mississippi: 2 filingsMS2North Carolina: 1 filingNC1Nebraska: 0 filingsNESouth Dakota: 0 filingsSDMontana: 2 filingsMT2New Hampshire: 0 filingsNHVirginia: 2 filingsVA2Arizona: 0 filingsAZPennsylvania: 4 filingsPA4Rhode Island: 1 filingRI1Michigan: 0 filingsMIAlaska: 0 filingsAKDistrict of Columbia: 0 filingsDCIdaho: 1 filingID1Maryland: 1 filingMD1West Virginia: 0 filingsWVUtah: 0 filingsUTWyoming: 3 filingsWY3Delaware: 0 filingsDENew Mexico: 3 filingsNM3Colorado: 28 filingsCO28Connecticut: 1 filingCT1Maine: 0 filingsMENorth Dakota: 0 filingsNDIllinois: 6 filingsIL6Minnesota: 0 filingsMNNew Jersey: 3 filingsNJ3New York: 2 filingsNY2Massachusetts: 0 filingsMAWashington: 1 filingWA1Oregon: 1 filingOR1Vermont: 1 filingVT1California: 40 filingsCA40Nevada: 1 filingNV1Hawaii: 0 filingsHI
FewerMore filingsNone

Often filed with

Standard-style form numbers that appear in the same filings most often.

  • CG 24 04Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation)128 filings
  • CG 40 11Exclusion – Hired Auto Liability126 filings
  • CG 40 10Exclusion – Cross Suits Liability123 filings
  • CG 21 66Exclusion – Volunteer Workers as Insureds122 filings
  • CG 24 54Automatic Insured Status for Newly Acquired or Formed Limited Liability Companies122 filings
  • CG 20 01Primary and Noncontributory – Other Insurance Condition121 filings
  • CG 40 12Exclusion - All Hazards in Connection with an Electronic Smoking Device, Its Vapor, Component Parts, Equipment and Accessories121 filings
  • CG 20 26Additional Insured – Designated Person or Organization120 filings
  • CG 20 43Additional Insured - Automatic Status When Required in Written Contract or Agreement119 filings
  • CG 20 12Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations118 filings

Recent filings

Latest filings that include this form number. Filed copies open in FilingFocus.

SubmittedCompanyStateEditionsTracking number
Oct 22, 2026State National Insurance Company, Inc.CO12 19STNA-135128706
Oct 21, 2026Allied Insurance Company of Americaand 4 moreCA12 19NWPP-G135131050
Aug 17, 2026Mississippi Farm Bureau Casualty Insurance CompanyMS12 19SFBC-135017175
Jul 10, 2026Southern Farm Bureau Casualty Insurance CompanyLA12 19SFBC-135013358
Jun 26, 2026Church Mutual Insurance Company, S.I.CO12 19CHMU-134947220
Jun 18, 2026Sompo America Insurance CompanyCO12 19SMPJ-134985965
Jun 17, 2026Atlantic Specialty Insurance CompanyNM12 19BEAC-134983795
Jun 15, 2026SiriusPoint America Insurance CompanyCO12 19MRTN-134978899
Jun 15, 2026SiriusPoint America Insurance CompanyCO12 19MRTN-134978902
Jun 2, 2026Zenith Insurance CompanyCA12 19ZICO-134965759
Apr 13, 2026Starr Indemnity and Liability CompanyCA12 19SILC-134905933
Mar 20, 2026American Casualty Company of Reading, Pennsylvaniaand 5 moreCO12 19CNAB-134872676

Most filed ISO CG forms

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