Coverage description
An Insurance Services Office (ISO) standard form. It excludes loss or damage under the commercial inland marine coverage part caused by any virus, bacterium or other microorganism that can cause illness or disease, except loss caused by fungi, wet rot or dry rot.
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 23Dec 2023Latest | 112 | 65 | 38 | Dec 2022 to Aug 2026 |
What the filings show
- Edition in use: in the past 12 months, 9 companies filed the 12 23 edition.
- CM 99 07 (Cannabis Coverage) is filed alongside it most often, in 50 of the same filings (45%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 CM 99 12, out of 27 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 34 | 34 | 12 23 | Nov 3, 2023 |
| Liberty Mutual Group2 group companies filed it, led by Liberty Mutual Fire Insurance Company and Liberty Mutual Insurance Company | 20 | 18 | 12 23 | Dec 4, 2023 |
| Guideone Insurance Group2 group companies filed it, led by GuideOne Mutual Insurance Company and GuideOne Specialty Mutual Insurance Company | 8 | 4 | 12 23 | May 15, 2025 |
| MS & AD Insurance Group2 group companies filed it, led by Transverse Insurance Company and Mitsui Sumitomo Insurance Company of America | 7 | 4 | 12 23 | Jun 9, 2025 |
| WCF Mutual Insurance Company Group2 group companies filed it, led by Associated Indemnity Corporation and WCF National Insurance Company | 5 | 3 | 12 23 | Mar 26, 2024 |
| Westfield Group9 group companies filed it, led by American Select Insurance Company and Ohio Farmers Insurance Company | 5 | 3 | 12 23 | Jun 18, 2025 |
| Sentry Insurance Group3 group companies filed it, led by Sentry Select Insurance Company and Middlesex Insurance Company | 4 | 1 | 12 23 | Aug 26, 2024 |
| WR Berkley Corporation Group10 group companies filed it, led by Acadia Insurance Company and Admiral Indemnity Company | 4 | 2 | 12 23 | May 7, 2026 |
| MGI Holdings GroupAmerican Summit Insurance Company | 3 | 3 | 12 23 | Apr 13, 2026 |
| Amerisure Company Group2 group companies filed it, led by AMERISURE MUTUAL INSURANCE COMPANY and AMERISURE INSURANCE COMPANY | 2 | 2 | 12 23 | Feb 16, 2024 |
How the largest insurers handle CM 99 12
Groups among the largest commercial inland marine insurers that filed CM 99 12 or their own version in the past five years.
- Liberty Mutual GroupUses CM 99 12 in 21 filings
- Chubb Limited GroupFiles its own version: IH 99 35 Exclusion Of Loss Due To Virus Or Bacteria (19 states)
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CM 99 12 in each state, Oct 2021 to Aug 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CM 99 07Cannabis Coverage50 filings
- CM 99 05Cannabis Exclusion19 filings
- CM 99 08Cyber Incident Exclusion19 filings
- IL 00 03Calculation of Premium16 filings
- IL 00 17Common Policy Conditions16 filings
- IL 09 85Disclosure Pursuant to Terrorism Risk Insurance Act16 filings
- IL 09 35Exclusion of Certain Computer- Related Losses15 filings
- CM 00 01Commercial Inland Marine Conditions14 filings
- IL 09 52Cap on Losses From Certified Acts of Terrorism14 filings
- IL 00 30Exclusion of Terrorism13 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Aug 20, 2026 | New York Marine and General Insurance Company | SC | 12 23 | PERR-135060922 |
| May 15, 2026 | Brethren Mutual Insurance Company | WV | 12 23 | BRMT-134937905 |
| May 7, 2026 | Acadia Insurance Companyand 3 more | NM | 12 23 | BNIC-134940407 |
| Apr 13, 2026 | American Summit Insurance Company | WA | 12 23 | NLAS-134902277 |
| Apr 7, 2026 | American Summit Insurance Company | IL | 12 23 | NLAS-134902291 |
| Apr 7, 2026 | American Summit Insurance Company | NM | 12 23 | NLAS-134902308 |
| Feb 20, 2026 | U.S. Specialty Insurance Company | CA | 12 23 | HCCH-134836602 |
| Dec 12, 2025 | Universal North America Insurance Company | SC | 12 23 | UNAC-134764087 |
| Dec 12, 2025 | Universal North America Insurance Company | NV | 12 23 | UNAC-134767023 |
| Aug 27, 2025 | Church Mutual Insurance Company, S.I. | IL | 12 23 | CHMU-134623637 |
| Jun 18, 2025 | American Select Insurance Companyand 3 more | IL | 12 23 | WSFG-G134573602 |
| Jun 18, 2025 | American Select Insurance Companyand 3 more | WA | 12 23 | WSFG-G134573610 |
Most filed ISO CM forms
- CM 00 01 Commercial Inland Marine Conditions
- CM DS 02 Advisory Commercial Inland Marine Declarations
- CM 99 08 Cyber Incident Exclusion
- CM 00 66 Accounts Receivable Coverage Form
- CM 00 67 Valuable Papers and Records Coverage Form
- CM 99 09 Cyber Incident Exclusion With Ensuing Cause(s) of Loss Exceptions
- CM 00 26 Physicians And Surgeons Equipment Coverage Form
- CM 99 07 Cannabis Coverage
See more carrier forms
Search forms by carrier, line of business, state, and wording with FilingFocus.