Coverage description
An American Association of Insurance Services (AAIS) standard form. It covers your legal liability as a warehouse operator for loss to customers' property stored in or within 100 feet of your described warehouse buildings under a warehouse receipt you issue.
How the form has changed
4 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
12 21 edition
Dec 2021, compared with 04 04Latest editionFungus is excluded except under a new Limited Fungus Coverage extension capped at $15,000 for all warehouse buildings unless a different limit is shown.
04 04
Not in this edition
12 21
“covered by this Coverage Extension at all warehouse buildings is $15,000”
New exclusions remove coverage for costs, fines and damages from failing to meet contractual warehousing requirements, such as seals, or legal standards for cleaning, temperature, records and sanitary practices.
04 04
Not in this edition
12 21
“failure to comply with contractual requirements for the warehousing of property”
Loss to food deemed adulterated under food safety law is excluded when caused by those failures, unless the adulteration results from a covered peril.
04 04
Not in this edition
12 21
“not pay for loss or damage to food deemed "adulterated"”
The money and securities exclusion now names digital and virtual currencies, cryptocurrencies and digital tokens.
04 04
Not in this edition
12 21
“digital or virtual currencies, cryptocurrencies and digital tokens”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 21Dec 2021Latest | 52 | 22 | 38 | Jan 2022 to Mar 2026 |
| 04 04Apr 2004 | 6 | 13 | 4 | Jan 2022 to Jun 2025 |
1 other edition date appears in one or two filings each, often carrier-specific versions: Ed. 1.0.
What the filings show
- Edition in use: in the past 12 months, 1 company filed the 12 21 edition.
- IM 76 62 (Inventory Shortage Coverage) is filed alongside it most often, in 56 of the same filings (95%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Mar 2026, excluding withdrawn and rejected filings.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 IM 7650, out of 17 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| American Association of Insurance ServicesAdvisory Organization | 38 | 38 | 12 21 | Oct 17, 2024 |
| American International Group3 group companies filed it, led by Granite State Insurance Company and Illinois National Insurance Co. | 3 | 3 | 12 21 | Jun 16, 2025 |
| Nationwide Corporation Group3 group companies filed it, led by Nationwide Agribusiness Insurance Company and Nationwide Mutual Insurance Company | 3 | 2 | 04 0412 21 | Jun 26, 2025 |
| Fcci Mutual Insurance Group3 group companies filed it, led by FCCI Insurance Company and Monroe Guaranty Insurance Company | 2 | 2 | 12 21 | Dec 21, 2023 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 1 | 1 | 12 21 | Jul 30, 2024 |
| Amtrust Financial Services Group3 group companies filed it, led by CorePointe Insurance Company and Milford Casualty Insurance Company | 1 | 1 | 04 04 | Jan 25, 2022 |
| Arbella Insurance GroupArbella Protection Insurance Company, Inc. | 1 | 1 | 04 04 | Dec 23, 2022 |
| Arch Insurance GroupArch Insurance Company | 1 | 1 | 12 21 | Oct 15, 2025 |
| Grange Mutual CAS Group3 group companies filed it, led by Grange Indemnity Insurance Company and Grange Insurance Company | 1 | 1 | 04 04 | Jun 4, 2024 |
| Indiana Farmers Mutual GroupIndiana Farmers Indemnity Insurance Company | 1 | 1 | Ed. 1.0 | Feb 29, 2024 |
How the largest insurers handle IM 7650
Groups among the largest commercial inland marine insurers that filed IM 7650 or their own version in the past five years.
- Liberty Mutual GroupUses IM 7650 in 1 filing
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States
Number of filings that include IM 7650 in each state, Oct 2021 to Mar 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- IM 76 62Inventory Shortage Coverage56 filings
- IM 76 66Reporting Conditions Endorsement56 filings
- IM 76 67Reporting Schedule - Warehouse Legal Liability56 filings
- IM 76 68Leakage of Refrigerant Exclusion56 filings
- IM 76 69Cold Storage Coverage56 filings
- IM 76 71Spoilage Coverage56 filings
- IM 76 72Spoilage Schedule - Warehouse Legal Liability56 filings
- IM 76 75Processing Work Schedule - Warehouse Legal Liability56 filings
- IM 76 77Property Excluded56 filings
- IM 76 55Schedule Of Coverages - Warehouse Legal Liability55 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Mar 25, 2026 | Point Specialty Insurance Company | CA | 12 21 | SEPX-134881081 |
| Oct 15, 2025 | Arch Insurance Company | NM | 12 21 | AICO-G134705898 |
| Jun 26, 2025 | Nationwide Agribusiness Insurance Companyand 1 more | WY | 04 04 | NWPP-134572009 |
| Jun 16, 2025 | Granite State Insurance Companyand 2 more | NM | 12 21 | AGNY-134570846 |
| Oct 17, 2024 | American Association of Insurance Services | ID | 12 21 | AMAX-134287113 |
| Sep 30, 2024 | American Fire and Casualty Companyand 3 more | IN | 04 04 | LBRC-134262371 |
| Sep 9, 2024 | American Association of Insurance Services | NY | 12 21 | AMAX-134217212 |
| Jul 30, 2024 | Accelerant National Insurance Company | CA | 12 21 | MRTN-133804207 |
| Jul 17, 2024 | American Association of Insurance Services | NH | 12 21 | AMAX-134165319 |
| Jul 17, 2024 | American Association of Insurance Services | UT | 12 21 | AMAX-134169395 |
| Jul 12, 2024 | American Association of Insurance Services | ND | 12 21 | AMAX-134175833 |
| Jul 10, 2024 | American Association of Insurance Services | MS | 12 21 | AMAX-134155839 |
Most filed AAIS IM forms
- IM 7871 Exclusions Cyber Losses
- IM 7000 Contractors' Equipment Coverage
- IM 7020 Replacement Cost Endorsement
- IM 7030 Equipment Schedule - Contractors' Equipment
- IM 7003 Contractors' Equipment Coverage - Small Tools Floater
- IM 7026 Agreed Amount Endorsement
- IM 7013 Equipment Leased or Rented To Others Endorsement
- IM 7014 Rental Reimbursement Endorsement
- IM 7005 Schedule Of Coverages - Contractors' Equipment
- IM 7008 Schedule Of Coverages - Contractors' Equipment - Small Tools Floater
- IM 7018 Percentage Deductible Endorsement
- IM 7022 Property Loaned To Others - Scheduled Contractors
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