Coverage description
An Insurance Services Office (ISO) standard form. The special causes of loss form for commercial property. It covers direct physical loss unless an exclusion or limitation applies.
What the form says
Key clauses from the latest edition, 09 17 (Sep 2017), quoted as filed.
“Covered Causes of Loss means direct physical loss unless the loss is excluded or limited in this policy.”
CP 10 30 09 17
Open perils. Anything not excluded is covered, which puts the weight on the exclusions.
“waves (including tidal wave and tsunami), tides, tidal water, overflow of any body of water”
CP 10 30 09 17
Flood and storm surge. Excluded whether or not driven by wind, including storm surge.
“Water that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment”
CP 10 30 09 17
Sewer and sump backup. Usually bought back by endorsement.
“we will not pay more than a total of $15,000”
CP 10 30 09 17
Fungus is capped. For one occurrence of fungus, wet or dry rot or bacteria, even if it continues into a later policy period.
How the form has changed
5 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
09 17 edition
Sep 2017, compared with 06 07Latest editionThe water exclusion names storm surge and tsunami.
06 07
“Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or not”
09 17
“all whether or not driven by wind (including storm surge)”
Sewer backup extends to sump pumps and related equipment.
06 07
“Water that backs up or overflows from a sewer, drain or sump”
09 17
“Water that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment”
Earthquake includes tremors and aftershocks.
06 07
“Earthquake, including any earth sinking”
09 17
“Earthquake, including tremors and aftershocks”
Ordinance or law reaches compliance, not only enforcement.
06 07
“The enforcement of any ordinance or law”
09 17
“The enforcement of or compliance with any ordinance or law”
New exclusion for loss to products from errors in development, production or use.
06 07
Not in this edition
09 17
“loss or damage to any merchandise, goods or other product”
Compares 06 07 with 09 17, so changes made in the 10 12 edition are included. Not every wording change is listed.
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 | 101 | 65 | 25 | Nov 2021 to Jul 2026 |
| 10 12Oct 2012 | 5 | 5 | 5 | Mar 2022 to Oct 2023 |
| 06 07Jun 2007 | 3 | 2 | 3 | Feb 2022 to Mar 2023 |
| 04 02Apr 2002 | 4 | 2 | 4 | Oct 2023 to Aug 2025 |
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 00 30 (Business Income (and Extra Expense) Coverage Form) is filed alongside it most often, in 101 of the same filings (89%).
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 30, out of 39 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| 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 |
| American Family Insurance Group2 group companies filed it, led by Midvale Indemnity Company and Austin Mutual Insurance Company | 8 | 7 | 09 17 | Oct 20, 2023 |
| Amerisure Company Group3 group companies filed it, led by AMERISURE MUTUAL INSURANCE COMPANY and AMERISURE INSURANCE COMPANY | 6 | 4 | 09 17 | Apr 29, 2024 |
| Amtrust Financial Services Group9 group companies filed it, led by CorePointe Insurance Company and Milford Casualty Insurance Company | 6 | 1 | 09 17 | Apr 10, 2025 |
| Hastings Mutual Insurance Company | 6 | 5 | 09 17 | 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 | 09 17 | Mar 11, 2022 |
| Trisura GroupTrisura Insurance Company | 6 | 4 | 09 17 | Jul 10, 2026 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 5 | 2 | 09 17 | Mar 21, 2025 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 5 | 3 | 06 0709 17 | Jul 6, 2023 |
| 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 |
How the largest insurers handle CP 10 30
Groups among the largest commercial property insurers that filed CP 10 30 or their own version in the past five years.
- Berkshire Hathaway GroupUses CP 10 30 in 1 filing
See more forms
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States
Number of filings that include CP 10 30 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 30Business Income (and Extra Expense) Coverage Form101 filings
- CP 00 10Building and Personal Property Coverage Form98 filings
- CP 15 45Utility Services - Time Element91 filings
- CP 04 11Protective Safeguards90 filings
- CP 12 11Burglary and Robbery Protective Safeguards90 filings
- CP 12 18Loss Payable Provisions90 filings
- CP 15 31Ordinance or Law - Increased Period of Restoration90 filings
- CP 00 90Commercial Property Conditions88 filings
- CP 10 33Theft Exclusion84 filings
- CP 00 18Condominium Commercial Unit- Owners Coverage Form83 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 |
| Sep 8, 2025 | Starr Indemnity and Liability Company | CA | 09 17 | AUTH-134647369 |
| Aug 18, 2025 | General Insurance Company of America | WY | 04 02 | LWCM-134640978 |
| Aug 15, 2025 | Great Bay Insurance Company | NJ | 09 17 | HGAS-134640148 |
| Aug 9, 2025 | Starr Indemnity and Liability Company | NM | 09 17 | AUTH-134633372 |
| Aug 7, 2025 | Starr Indemnity and Liability Company | SC | 09 17 | AUTH-134629716 |
Most filed ISO CP forms
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- CP 03 20 Multiple Deductible Form
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See more carrier forms
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