Coverage description
An Insurance Services Office (ISO) standard form. It excludes general liability for bodily injury, property damage and personal and advertising injury arising out of cannabis, including its design, cultivation, manufacture, sale, distribution or possession, or exposure to it.
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 20Latest editionThe exception that keeps coverage for wrongful eviction, wrongful entry or invasion of private occupancy now also applies to premises occupied by an organization, not only by a person.
12 20
“dwelling or premises that a person occupies”
12 25
“that a person or organization occupies”
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 | 60 | 17 | 39 | Jul 2024 to Aug 2026 |
| 12 20Dec 2020 | 170 | 100 | 43 | Jan 2022 to Oct 2026 |
| 12 19Dec 2019 | 83 | 32 | 34 | Nov 2021 to Jan 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 09 22.
Where filings record what this form replaced, they name earlier edition 12 20 and other forms CG 34 47, 12 20. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 29 companies filed the 12 20 edition and 12 companies filed 12 25.
- The newer 12 25 edition first appears Jul 12, 2024 and has been filed by 17 companies in 39 states so far.
- CG 40 16 (Cannabis Exclusion with Hemp and Lessors Risk Exceptions) is filed alongside it most often, in 245 of the same filings (79%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 40 14, out of 57 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 39 | 37 | 12 2512 2012 19 | Apr 9, 2025 |
| Randall & Quilter Investment GroupAccredited Surety and Casualty Company, Inc. | 39 | 39 | 12 2012 19 | Jul 29, 2025 |
| Markel Corporation GroupState National Insurance Company, Inc. | 24 | 16 | 12 1912 20 | Oct 22, 2026 |
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 20 | 17 | 12 2512 19 | Aug 26, 2026 |
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 17 | 17 | 12 19 | Jan 15, 2026 |
| WR Berkley Corporation Group7 group companies filed it, led by Berkley National Insurance Company and Intrepid Casualty Company | 17 | 12 | 12 1912 20 | Jul 24, 2026 |
| Nationwide Corporation Group9 group companies filed it, led by Nationwide Agribusiness Insurance Company and Nationwide Insurance Company of America | 16 | 4 | 12 1912 2009 22 | Oct 21, 2026 |
| Tokio Marine Holdings Incorporated Group4 group companies filed it, led by Safety National Casualty Corporation and TNUS Insurance Company | 9 | 2 | 12 2009 22 | Feb 17, 2026 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 7 | 2 | 12 2012 25 | Jun 15, 2026 |
| Sompo GroupSompo America Insurance Company | 7 | 2 | 12 20 | Jun 18, 2026 |
How the largest insurers handle CG 40 14
Groups among the largest commercial general liability insurers that filed CG 40 14 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 40 14 in 1 filing
- WR Berkley Corporation GroupUses CG 40 14 in 14 filings
- Fairfax Financial GroupUses CG 40 14 in 5 filings
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States
Number of filings that include CG 40 14 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 16Cannabis Exclusion with Hemp and Lessors Risk Exceptions245 filings
- CG 40 15Cannabis Exclusion with Hemp Exception244 filings
- CG 21 06Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - with Limited Bodily Injury Exception190 filings
- CG 21 66Exclusion - Volunteer Workers as Insureds186 filings
- CG 21 37Exclusion - Employees and Volunteer Workers as Insureds176 filings
- CG 21 08Exclusion - Access or Disclosure of Confidential or Personal Information (Coverage B Only)170 filings
- CG 22 69Pharmacists165 filings
- CG 22 97Pharmacists - Broadened Coverage158 filings
- CG 21 44Limitation of Coverage to Designated Premises, Project or Operation157 filings
- CG 22 29Exclusion - Property Entrusted149 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 |
| Aug 26, 2026 | The Cincinnati Casualty Companyand 2 more | NV | 12 25 | CNNA-134980601 |
| Aug 26, 2026 | The Cincinnati Casualty Companyand 2 more | ID | 12 25 | CNNA-134992231 |
| Jul 24, 2026 | Intrepid Casualty Company | CA | 12 20 | BNIC-135022795 |
| Jul 2, 2026 | State National Insurance Company, Inc. | CO | 12 20 | STNA-135002472 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 12 20 | CHMU-134947220 |
| Jun 18, 2026 | Sompo America Insurance Company | CO | 12 20 | SMPJ-134985965 |
| Jun 17, 2026 | Atlantic Specialty Insurance Company | NM | 12 2512 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 |
| Jun 4, 2026 | The Cincinnati Casualty Companyand 2 more | RI | 12 25 | CNNA-134875418 |
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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