Coverage description
An Insurance Services Office (ISO) standard form. It changes the limited coverage for fungus, wet rot, dry rot and bacteria by replacing the $15,000 limit and the 30-day business income period with amounts in the schedule, and can apply the limit separately to listed premises.
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 04 02Apr 2002Latest | 65 | 53 | 17 | Feb 2022 to Jul 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 01 02.
What the filings show
- Edition in use: in the past 12 months, 11 companies filed the 04 02 edition.
- CP 00 90 (Commercial Property Conditions) is filed alongside it most often, in 48 of the same filings (73%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jul 2026, excluding withdrawn and rejected filings.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 31, out of 28 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Nationwide Corporation Group9 group companies filed it, led by Nationwide Assurance Company and Nationwide Insurance Company of America | 17 | 9 | 04 02 | Feb 20, 2026 |
| WCF Mutual Insurance Company Group2 group companies filed it, led by Associated Indemnity Corporation and WCF National Insurance Company | 5 | 3 | 04 02 | Mar 26, 2024 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 4 | 4 | 04 02 | Mar 21, 2025 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 4 | 2 | 04 02 | Sep 20, 2023 |
| Amtrust Financial Services Group6 group companies filed it, led by CorePointe Insurance Company and First Nonprofit Insurance Company | 3 | 1 | 04 02 | Feb 8, 2023 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 3 | 3 | 04 02 | Mar 2, 2023 |
| WR Berkley Corporation Group2 group companies filed it, led by Intrepid Casualty Company and Intrepid Insurance Company | 3 | 2 | 04 02 | Feb 9, 2024 |
| American Family Insurance Group2 group companies filed it, led by Austin Mutual Insurance Company and Midvale Indemnity Company | 2 | 2 | 04 02 | Oct 20, 2023 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 2 | 1 | 04 02 | Dec 22, 2022 |
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 2 | 2 | 04 02 | Jan 3, 2023 |
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States
Number of filings that include CP 04 31 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 00 90Commercial Property Conditions48 filings
- CP 10 56Sprinkler Leakage Exclusion48 filings
- CP 10 55Vandalism Exclusion47 filings
- CP 04 50Vacancy Permit46 filings
- CP 14 40Outdoor Signs46 filings
- CP 15 56Business Income Changes - Beginning of the Period of Restoration46 filings
- CP 04 01Brands and Labels45 filings
- CP 10 35Watercraft Exclusion45 filings
- CP 10 70Pier and Wharf Additional Covered Causes of Loss45 filings
- CP 12 30Peak Season Limit of Insurance45 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 | 04 02 | SFBC-134997156 |
| Jul 16, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 04 02 | SFBC-135019625 |
| Jun 3, 2026 | CopperPoint Casualty Insurance Companyand 1 more | SC | 04 02 | COPP-134971651 |
| May 27, 2026 | Alaska National Insurance Company | SC | 04 02 | ALNI-134963185 |
| Feb 20, 2026 | Nationwide Assurance Companyand 1 more | ID | 04 02 | NWPP-G134848246 |
| Feb 20, 2026 | Allied Insurance Company of Americaand 3 more | ID | 04 02 | NWPP-G134848296 |
| Nov 17, 2025 | Oregon Fair Plan Association | OR | 01 02 | APST-134742802 |
| Oct 24, 2025 | Nationwide Affinity Insurance Company of Americaand 3 more | DE | 04 02 | NWPP-G134706709 |
| Oct 24, 2025 | Allied Insurance Company of Americaand 3 more | DE | 04 02 | NWPP-G134716150 |
| Oct 1, 2025 | Lyndon Southern Insurance Company | SC | 04 02 | LFST-134691947 |
| Sep 3, 2025 | Nationwide Affinity Insurance Company of Americaand 3 more | GA | 04 02 | NWPP-134658106 |
| Sep 3, 2025 | Allied Insurance Company of Americaand 3 more | GA | 04 02 | NWPP-134659312 |
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
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