Coverage description
An Insurance Services Office (ISO) standard form. The basic named perils causes of loss form for commercial property. It covers fire, lightning, explosion, windstorm or hail, smoke, aircraft or vehicles, riot, vandalism, sprinkler leakage, sinkhole collapse and volcanic action, subject to its exclusions and limitations.
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.
10 12 edition
Oct 2012, compared with 06 07Latest editionThe water exclusion now expressly includes storm surge, tsunami, discharge from sump pumps and related equipment, and waterborne material moved by flood or mudflow.
06 07
“Water that backs up or overflows from a sewer, drain or sump”
10 12
“Waterborne material carried or otherwise moved by any of the water referred to in Paragraph (1), (3) or (4)”
The earth movement and water exclusions now apply whether the event is caused by an act of nature or otherwise, including when a dam, levee or seawall fails.
06 07
Not in this edition
10 12
“a dam, levee, seawall or other boundary or containment system fails in whole or in part”
Hail damage to lawns, trees, shrubs or plants that are part of a vegetated roof is no longer covered.
06 07
Not in this edition
10 12
“Loss or damage by hail to lawns, trees, shrubs or plants which are part of a vegetated roof.”
The ordinance or law exclusion now reaches compliance with an ordinance or law, not only its enforcement.
06 07
“The enforcement of any ordinance or law:”
10 12
“The 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 |
|---|---|---|---|---|
| 10 12Oct 2012Latest | 76 | 61 | 20 | Nov 2021 to Jul 2026 |
| 06 07Jun 2007 | 3 | 2 | 3 | Feb 2022 to Mar 2023 |
Filed by one company only: 04 02 (3 filings).
1 other edition date appears in one or two filings each, often carrier-specific versions: 07 88.
What the filings show
- Edition in use: in the past 12 months, 6 companies filed the 10 12 edition.
- The 04 02 edition appears only in filings from one company (3 filings in 3 states since Oct 6, 2023), which suggests a carrier-specific version.
- CP 00 10 (Building and Personal Property Coverage Form) is filed alongside it most often, in 82 of the same filings (99%).
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 10 10, out of 35 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Hastings Mutual Insurance Company | 6 | 5 | 10 12 | Mar 13, 2025 |
| Nationwide Corporation Group7 group companies filed it, led by Allied Insurance Company of America and Nationwide Property and Casualty Insurance Company | 6 | 3 | 10 12 | Mar 11, 2022 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 5 | 3 | 06 0710 12 | Jul 6, 2023 |
| Trisura GroupTrisura Insurance Company | 5 | 3 | 10 12 | Jul 10, 2026 |
| WCF Mutual Insurance Company Group2 group companies filed it, led by Associated Indemnity Corporation and WCF National Insurance Company | 5 | 3 | 10 12 | Mar 26, 2024 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 4 | 3 | 10 12 | Mar 21, 2025 |
| Amtrust Financial Services Group9 group companies filed it, led by CorePointe Insurance Company and First Nonprofit Insurance Company | 4 | 1 | 10 12 | Feb 8, 2023 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 4 | 2 | 10 12 | Sep 20, 2023 |
| Amerisure Company Group3 group companies filed it, led by AMERISURE INSURANCE COMPANY and AMERISURE MUTUAL INSURANCE COMPANY | 3 | 3 | 10 12 | 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 | 10 12 | Jun 25, 2024 |
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States
Number of filings that include CP 10 10 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 10Building and Personal Property Coverage Form82 filings
- CP 00 30Business Income (and Extra Expense) Coverage Form81 filings
- CP 10 33Theft Exclusion79 filings
- CP 00 18Condominium Commercial Unit- Owners Coverage Form78 filings
- CP 00 17Condominium Association Coverage Form77 filings
- CP 00 40Legal Liability Coverage Form77 filings
- CP 10 20Causes of Loss - Broad Form77 filings
- CP 00 32Business Income (Without Extra Expense) Coverage Form74 filings
- CP 04 18Condominium Commercial Unit- Owners Optional Coverages74 filings
- CP 10 30Causes of Loss - Special Form74 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 | 10 12 | SFBC-134997156 |
| Jul 16, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 10 12 | SFBC-135019625 |
| Jul 10, 2026 | Trisura Insurance Company | WA | 10 12 | SHNF-134976660 |
| Jun 30, 2026 | Trisura Insurance Company | IL | 10 12 | SHNF-134983369 |
| Jun 3, 2026 | CopperPoint Casualty Insurance Companyand 1 more | SC | 10 12 | COPP-134971651 |
| May 27, 2026 | Alaska National Insurance Company | SC | 10 12 | ALNI-134963185 |
| Dec 4, 2025 | Trisura Insurance Company | CA | 10 12 | SHNF-134758544 |
| Aug 15, 2025 | Great Bay Insurance Company | NJ | 10 12 | HGAS-134640148 |
| Aug 1, 2025 | Universal North America Insurance Company | SC | 10 12 | UNAC-134614002 |
| May 9, 2025 | NOVA Casualty Company | SC | 10 12 | HNVR-G134524995 |
| May 1, 2025 | Universal Fire and Casualty Insurance Company | SC | 10 12 | UFCI-134516617 |
| Apr 30, 2025 | Selective Way Insurance Company | MO | 10 12 | SELC-134494115 |
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
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