Coverage description
An Insurance Services Office (ISO) standard form. It extends Business Income and Extra Expense coverage to a suspension of operations caused by an interruption in water, wastewater, communication or power service, when the utility property is damaged by a covered cause of loss.
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.
09 17 edition
Sep 2017, compared with 06 07Latest editionWastewater removal property is added as a utility service that can be scheduled, but interruptions from discharge of water or sewage due to heavy rainfall or flooding are not covered.
06 07
Not in this edition
09 17
“Wastewater Removal Property, meaning a utility system for removing wastewater and sewage from the described premises”
A Business Income waiting period can now be shown in the Schedule, and coverage runs from the interruption (or the end of the waiting period) until operations are or could be resumed.
06 07
Not in this edition
09 17
“such waiting period begins at the time of interruption of utility service to the described premises”
The policy expiration date no longer cuts short the duration of coverage, and the coverage form's period of restoration definition does not apply.
06 07
Not in this edition
09 17
“The expiration date of this policy will not cut short the duration of coverage under this endorsement.”
Transmission lines now expressly include distribution lines.
06 07
Not in this edition
09 17
“including lines which may be identified as distribution lines”
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 | 85 | 52 | 19 | 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: 10 12.
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, 1 company filed the 09 17 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 10 30 (Causes of Loss - Special Form) is filed alongside it most often, in 91 of the same filings (98%).
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 15 45, out of 29 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 |
| Amerisure Company Group3 group companies filed it, led by AMERISURE MUTUAL INSURANCE COMPANY and AMERISURE INSURANCE COMPANY | 6 | 4 | 09 17 | Apr 29, 2024 |
| 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 |
| Amtrust Financial Services Group6 group companies filed it, led by CorePointe Insurance Company and Milford Casualty Insurance Company | 5 | 1 | 09 17 | Apr 10, 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 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 4 | 2 | 09 17 | Sep 20, 2023 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 3 | 2 | 09 17 | Mar 21, 2025 |
How the largest insurers handle CP 15 45
Groups among the largest commercial property insurers that filed CP 15 45 or their own version in the past five years.
- Berkshire Hathaway GroupUses CP 15 45 in 1 filing
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CP 15 45 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 30Causes of Loss - Special Form91 filings
- CP 12 11Burglary and Robbery Protective Safeguards86 filings
- CP 15 31Ordinance or Law - Increased Period of Restoration86 filings
- CP 00 30Business Income (and Extra Expense) Coverage Form79 filings
- CP 04 17Utility Services - Direct Damage79 filings
- CP 10 33Theft Exclusion77 filings
- CP 12 18Loss Payable Provisions77 filings
- CP 00 10Building and Personal Property Coverage Form76 filings
- CP 03 20Multiple Deductible Form76 filings
- CP 04 11Protective Safeguards76 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| 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 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 |
| 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 10, 2025 | CorePointe Insurance Companyand 2 more | CA | 09 17 | UNKP-134492205 |
Most filed ISO CP forms
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- 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.