Coverage description
An Insurance Services Office (ISO) standard form. It adds coverage for losses from building, zoning and land use laws after covered damage to a scheduled building: loss to the undamaged portion, demolition cost and the increased cost of construction, each up to the limits you choose.
How the form has changed
3 changes across 2 revisions, newest first. Each edition is compared with the one before it, using wording from filed copies.
09 17 edition
Sep 2017, compared with 10 12Latest editionA new optional post-loss ordinance or law option extends coverage to laws enacted or revised after the loss but before repairs begin, when compliance is required to get a building permit or certificate of occupancy.
10 12
Not in this edition
09 17
“law is promulgated or revised after the loss but prior to commencement of reconstruction or repair”
10 12 edition
Oct 2012, compared with 04 02Coverage now responds when the damage leaves you required to comply with an ordinance or law, rather than only when the law is enforced.
04 02
“such damage results in enforcement of the ordinance or law”
10 12
“as a result of such damage, you are required to comply with the ordinance or law”
The pollutant and fungus exclusion now also applies to costs of complying with such laws, not only their enforcement.
04 02
Not in this edition
10 12
“Enforcement of or compliance with any ordinance or law”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 09 17Sep 2017Latest | 71 | 41 | 29 | Nov 2021 to Jul 2026 |
| 10 12Oct 2012 | 3 | 6 | 3 | Dec 2022 to Mar 2024 |
| 04 02Apr 2002 | 5 | 2 | 4 | Feb 2023 to Feb 2024 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 10 90.
Where filings record what this form replaced, they name earlier edition 10 12. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 3 companies filed the 09 17 edition.
- CP 12 11 (Burglary and Robbery Protective Safeguards) is filed alongside it most often, in 75 of the same filings (94%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jul 2026, excluding withdrawn and rejected filings.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 CP 04 05, out of 28 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Tokio Marine Holdings Incorporated GroupU.S. Specialty Insurance Company | 11 | 11 | 09 17 | Jun 30, 2023 |
| Grange Mutual CAS Group6 group companies filed it, led by Grange Indemnity Insurance Company and Grange Insurance Company | 10 | 9 | 09 17 | Apr 11, 2024 |
| Hastings Mutual Insurance Company | 6 | 5 | 09 17 | Mar 13, 2025 |
| Trisura GroupTrisura Insurance Company | 6 | 4 | 09 17 | Jul 10, 2026 |
| WCF Mutual Insurance Company Group2 group companies filed it, led by Associated Indemnity Corporation and WCF National Insurance Company | 5 | 3 | 09 17 | Mar 26, 2024 |
| Markel Corporation GroupState National Insurance Company, Inc. | 4 | 2 | 04 0209 17 | Jul 6, 2023 |
| Amerisure Company Group3 group companies filed it, led by AMERISURE INSURANCE COMPANY and AMERISURE MUTUAL INSURANCE COMPANY | 3 | 3 | 09 17 | Jul 7, 2023 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and Phenix Mutual Fire Insurance Company | 3 | 2 | 09 17 | Jun 25, 2024 |
| Indiana Farmers Mutual GroupIndiana Farmers Indemnity Insurance Company | 3 | 3 | 04 02 | Feb 28, 2024 |
| Nationwide Corporation Group7 group companies filed it, led by Allied Insurance Company of America and Nationwide Assurance Company | 3 | 2 | 09 17 | Mar 11, 2022 |
How the largest insurers handle CP 04 05
Groups among the largest commercial property insurers that filed CP 04 05 or their own version in the past five years.
- Berkshire Hathaway GroupUses CP 04 05 in 1 filing
- Liberty Mutual GroupFiles its own version: 1P0467FR Ordinance Or Law Coverage (31 states)
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CP 04 05 in each state, Oct 2021 to Jul 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CP 12 11Burglary and Robbery Protective Safeguards75 filings
- CP 04 11Protective Safeguards68 filings
- CP 10 30Causes of Loss - Special Form68 filings
- CP 04 38Functional Building Valuation64 filings
- CP 15 31Ordinance or Law - Increased Period of Restoration64 filings
- CP 15 45Utility Services - Time Element61 filings
- CP 00 10Building and Personal Property Coverage Form57 filings
- CP 00 30Business Income (and Extra Expense) Coverage Form57 filings
- CP 03 20Multiple Deductible Form57 filings
- CP 00 17Condominium Association Coverage Form56 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Jul 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 09 17 | SFBC-134997156 |
| Jul 16, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 09 17 | SFBC-135019625 |
| Jul 10, 2026 | Trisura Insurance Company | WA | 09 17 | SHNF-134976660 |
| Jun 30, 2026 | Trisura Insurance Company | IL | 09 17 | SHNF-134983369 |
| Dec 4, 2025 | Trisura Insurance Company | CA | 09 17 | SHNF-134758544 |
| Oct 14, 2025 | Accredited Surety and Casualty Company, Inc. | OR | 09 17 | SHNF-134681277 |
| Oct 13, 2025 | Trisura Insurance Company | OR | 09 17 | SHNF-134681314 |
| Aug 15, 2025 | Great Bay Insurance Company | NJ | 09 17 | HGAS-134640148 |
| May 1, 2025 | Universal Fire and Casualty Insurance Company | SC | 09 17 | UFCI-134516617 |
| Apr 30, 2025 | Selective Way Insurance Company | MO | 09 17 | SELC-134494115 |
| Apr 30, 2025 | Universal Fire and Casualty Insurance Company | IL | 09 17 | UFCI-134515065 |
| Apr 7, 2025 | Trisura Insurance Company | IL | 09 17 | SHNF-134465072 |
Most filed ISO CP forms
- CP 03 21 Windstorm Or Hail Percentage Deductible
- CP 10 36 Limitations On Coverage For Roof Surfacing
- CP 12 19 Additional Insured - Building Owner
- CP 99 03 Cannabis Exclusion
- CP 10 75 Cyber Incident Exclusion
- CP 00 10 Building and Personal Property Coverage Form
- CP 00 30 Business Income (And Extra Expense) Coverage Form
- CP 12 18 Loss Payable Provisions
- CP 04 11 Protective Safeguards
- CP DS 00 Commercial Property Coverage Part Declarations Page
- CP 10 30 Causes of Loss - Special Form
- CP 03 20 Multiple Deductible Form
See more carrier forms
Search forms by carrier, line of business, state, and wording with FilingFocus.