Coverage description
An Insurance Services Office (ISO) standard form. It excludes general liability for injury or damage arising out of cannabis, with exceptions for goods and products made from or containing hemp, unless prohibited by state or local law, and for premises you lease to others.
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 | 137 | 101 | 26 | Jan 2022 to Oct 2026 |
| 12 19Dec 2019 | 63 | 29 | 30 | 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. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 33 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 15 (Cannabis Exclusion with Hemp Exception) is filed alongside it most often, in 247 of the same filings (96%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 16, 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 |
| Markel Corporation GroupState National Insurance Company, Inc. | 23 | 15 | 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 |
| 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 |
| WCF Mutual Insurance Company GroupAssociated Indemnity Corporation | 16 | 16 | 12 20 | Jan 15, 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 |
| Fairfax Financial Group5 group companies filed it, led by Crum and Forster Indemnity Company and Seneca Insurance Company, Inc. | 6 | 1 | 12 20 | Jun 2, 2026 |
How the largest insurers handle CG 40 16
Groups among the largest commercial general liability insurers that filed CG 40 16 or their own version in the past five years.
- Berkshire Hathaway GroupUses CG 40 16 in 1 filing
- WR Berkley Corporation GroupUses CG 40 16 in 13 filings
- Fairfax Financial GroupUses CG 40 16 in 5 filings
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States
Number of filings that include CG 40 16 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 15Cannabis Exclusion with Hemp Exception247 filings
- CG 40 14Cannabis Exclusion245 filings
- CG 21 66Exclusion - Volunteer Workers as Insureds184 filings
- CG 21 37Exclusion - Employees and Volunteer Workers as Insureds177 filings
- CG 22 69Pharmacists163 filings
- CG 22 97Pharmacists – Broadened Professional Services Coverage157 filings
- CG 21 44Limitation of Coverage to Designated Premises, Project or Operation153 filings
- CG 22 76Professional Liability Exclusion - Health or Exercise Clubs or Commercially Operated Health or Exercise Facilities149 filings
- CG 22 87Exclusion - Adult Day Care Centers149 filings
- CG 21 06Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - with Limited Bodily Injury Exception147 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 |
| Aug 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 12 20 | SFBC-135017175 |
| Jul 24, 2026 | Intrepid Casualty Company | CA | 12 20 | BNIC-135022795 |
| Jul 10, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 12 20 | SFBC-135013358 |
| 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 |
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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