Coverage description
An Insurance Services Office (ISO) standard form. Causes of loss form that names the perils covered for commercial property, such as fire, lightning, windstorm, hail, vandalism, sprinkler leakage, sinkhole collapse, falling objects, weight of snow and water damage, along with exclusions and limited fungus coverage.
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 tsunami, storm surge and waterborne material, and applies whether the water is caused by nature or otherwise, such as a failed dam or levee.
06 07
“or their spray, all whether driven by wind or not”
10 12
“all whether or not driven by wind (including storm surge)”
The ordinance or law exclusion now applies to 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:”
Hail and weight of snow, ice or sleet no longer cover lawns, trees, shrubs or plants that are part of a vegetated roof.
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.”
All volcanic eruptions within a 168-hour period now count as one occurrence.
06 07
Not in this edition
10 12
“all volcanic eruptions that occur within any 168-hour period will constitute a single occurrence”
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 | 70 | 59 | 20 | Nov 2021 to Jul 2026 |
| 06 07Jun 2007 | 3 | 2 | 3 | Feb 2022 to Mar 2023 |
Filed by one company only: 04 02 (Indiana Farmers Mutual Group, 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, 5 companies filed the 10 12 edition.
- The 04 02 edition appears only in filings from Indiana Farmers Mutual Group (3 filings in 3 states since Oct 6, 2023), which suggests a carrier-specific version.
- CP 10 10 (Causes of Loss - Basic Form) is filed alongside it most often, in 77 of the same filings (100%).
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 20, out of 33 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 |
| 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 |
| Indiana Farmers Mutual GroupIndiana Farmers Indemnity Insurance Company | 3 | 3 | 04 02 | Feb 28, 2024 |
How the largest insurers handle CP 10 20
Groups among the largest commercial property insurers that filed CP 10 20 or their own version in the past five years.
- Berkshire Hathaway GroupUses CP 10 20 in 1 filing
See more forms
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States
Number of filings that include CP 10 20 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 10 10Causes of Loss - Basic Form77 filings
- CP 00 10Building and Personal Property Coverage Form76 filings
- CP 00 30Business Income (and Extra Expense) Coverage Form76 filings
- CP 00 32Business Income (Without Extra Expense) Coverage Form74 filings
- CP 00 50Extra Expense Coverage Form73 filings
- CP 10 33Theft Exclusion73 filings
- CP 00 18Condominium Commercial Unit- Owners Coverage Form72 filings
- CP 00 17Condominium Association Coverage Form71 filings
- CP 00 40Legal Liability Coverage Form71 filings
- CP 04 15Debris Removal Additional Insurance70 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 |
| 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 |
| 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 |
| Apr 30, 2025 | Universal Fire and Casualty Insurance Company | IL | 10 12 | UFCI-134515065 |
| Apr 17, 2025 | Spinnaker Insurance Company | SC | 10 12 | WOOD-134492939 |
| Mar 21, 2025 | Accelerant National Insurance Company | CA | 10 12 | SPRO-G134354982 |
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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