Coverage description
An American Association of Insurance Services (AAIS) standard form. It sets out loss payable, lender's loss payable and contract of sale options for property on the Loss Payable Schedule, including the lender's protection when your insurance is void and how loss payees get cancellation notice.
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.
11 17 edition
Nov 2017, compared with 04 04Latest editionFixed 10 and 30 day cancellation and 10 day nonrenewal notices to a lender are replaced by notice on the same terms given to you, and notice to the loss payee is no longer a condition of cancellation.
04 04
“"we" notify the loss payee at least ten days before the effective date of cancellation”
11 17
“notice to the loss payee is not a condition of cancellation”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 11 17Nov 2017Latest | 4 | 3 | 1 | Oct 2022 to Oct 2025 |
| 04 04Apr 2004 | 49 | 33 | 22 | Jan 2022 to Mar 2026 |
2 other edition dates appear in one or two filings each, often carrier-specific versions: 09 06, 05 04.
Where filings record what this form replaced, they name other forms IM 1270. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 2 companies filed the 04 04 edition.
- The newer 11 17 edition first appears Oct 29, 2022 and has been filed by 3 companies in 1 state so far.
- IM 75 01 (Miscellaneous Bailee - Processor Floater) is filed alongside it most often, in 42 of the same filings (75%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Mar 2026, excluding withdrawn and rejected filings.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 7854, out of 19 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| American Association of Insurance ServicesAdvisory Organization | 18 | 18 | 04 0409 06 | Oct 17, 2024 |
| Grange Mutual CAS Group4 group companies filed it, led by Grange Insurance Company and Grange Indemnity Insurance Company | 9 | 8 | 04 0411 17 | Jun 4, 2024 |
| Hastings Mutual Insurance Company | 6 | 5 | 04 0411 1705 04 | Mar 13, 2025 |
| West Bend Mutual Insurance Company | 3 | 2 | 04 04 | Jun 27, 2022 |
| American International Group3 group companies filed it, led by Granite State Insurance Company and Illinois National Insurance Co. | 2 | 2 | 04 04 | Jun 23, 2022 |
| Amtrust Financial Services Group4 group companies filed it, led by CorePointe Insurance Company and Milford Casualty Insurance Company | 2 | 2 | 04 04 | Jul 26, 2022 |
| Nationwide Corporation Group2 group companies filed it, led by Nationwide Mutual Insurance Company and Nationwide Agribusiness Insurance Company | 2 | 2 | 04 04 | Jan 26, 2022 |
| Selective Insurance Group4 group companies filed it, led by Selective Way Insurance Company and Selective Insurance Company of America | 2 | 2 | 04 04 | Apr 29, 2025 |
| Sentry Insurance GroupPoint Specialty Insurance Company | 2 | 2 | 04 0405 04 | Mar 25, 2026 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 1 | 1 | 04 04 | Jul 30, 2024 |
How the largest insurers handle IM 7854
Groups among the largest commercial inland marine insurers that filed IM 7854 or their own version in the past five years.
- Liberty Mutual GroupUses IM 7854 in 1 filing
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include IM 7854 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 75 01Miscellaneous Bailee - Processor Floater42 filings
- IM 74 02Fine Arts Coverage - Blanket Form41 filings
- IM 75 07Schedule Of Coverages - Miscellaneous Bailee - Processor Floater41 filings
- IM 75 50Bailee Customers Floater Coverage - Dry Cleaners And Laundry Form41 filings
- IM 75 55Schedule Of Coverages - Bailee Customers Floater41 filings
- IM 74 00Fine Arts Coverage - Fine Arts Floater40 filings
- IM 79 02Loss Payable Schedule39 filings
- IM 78 58Limited Theft Coverage38 filings
- IM 72 50Transportation Coverage37 filings
- IM 74 61Refrigeration Breakdown Coverage - Vehicles37 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 | 04 04 | SEPX-134881081 |
| Nov 12, 2025 | Clear Blue Insurance Company | CA | 04 04 | MRTN-134717923 |
| Oct 15, 2025 | Arch Insurance Company | NM | 04 04 | AICO-G134705898 |
| Oct 9, 2025 | Incline Casualty Company | IL | 11 17 | MRTN-134696969 |
| Aug 12, 2025 | Alaska National Insurance Company | CA | 04 04 | ALNI-134635237 |
| Jun 5, 2025 | Zenith Insurance Company | CA | 04 04 | ZICO-134520427 |
| Apr 29, 2025 | Selective Way Insurance Company | MO | 04 04 | SELC-134505138 |
| Mar 13, 2025 | Hastings Mutual Insurance Company | IL | 11 17 | HAST-134353131 |
| Jan 30, 2025 | Selective Insurance Company of Americaand 3 more | KS | 04 04 | SELC-134348044 |
| Oct 17, 2024 | American Association of Insurance Services | ID | 04 04 | AMAX-134287113 |
| Sep 9, 2024 | American Association of Insurance Services | NY | 04 04 | AMAX-134217212 |
| Jul 30, 2024 | Accelerant National Insurance Company | CA | 04 04 | MRTN-133804207 |
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
See more carrier forms
Search forms by carrier, line of business, state, and wording with FilingFocus.