CU 00 01 Commercial Liability Umbrella Coverage Form

An Insurance Services Office (ISO) standard form. Commercial liability umbrella coverage form that pays bodily injury, property damage and personal and advertising injury damages above the underlying insurance or retained limit, with its own insuring agreements, exclusions, conditions and limits.

1. 06 26 edition

   Jun 2026, compared with 04 13Latest edition

   • A new exclusion removes coverage for injury arising from actual or alleged violations of data privacy laws, such as BIPA, CCPA and GDPR.

     04 13

     Not in this edition

     06 26

     “Violation Of Law Addressing Data Privacy”

   • A new exclusion removes coverage for injury arising out of access to or disclosure of confidential or personal information.

     04 13

     Not in this edition

     06 26

     “Access Or Disclosure Of Confidential Or Personal Material Or Information”

   • A new exclusion removes coverage for injury arising out of a cyber incident, such as unauthorized computer access, malicious code or a denial of service attack.

     04 13

     Not in this edition

     06 26

     “"property damage" arising out of a "cyber incident".”

   • The professional services exclusion for bodily injury and property damage now applies to injury arising out of professional services, not only injury due to them.

     04 13

     “"property damage" due to rendering of or failure to render any professional service”

     06 26

     “"property damage" arising out of the rendering of or failure to render any professional service”

2. 04 13 edition

   Apr 2013, compared with 12 07

   • The umbrella does not apply to an exposure that carries a sublimit in the underlying insurance unless that sublimit is listed in the declarations.

     12 07

     Not in this edition

     04 13

     “If any other limit, such as a sublimit, is specified in the "underlying insurance"”

   • Additional insured coverage required by contract is capped at the lesser of the contract requirement or the policy limits.

     12 07

     “the amount of insurance required by the contract, less any amounts payable”

     04 13

     “Available under the applicable Limits of Insurance shown in the Declarations; whichever is less”

   • The exclusion for distributing material in violation of law now includes the Fair Credit Reporting Act and other laws on disposing or recording information.

     12 07

     Not in this edition

     04 13

     “The Fair Credit Reporting Act (FCRA)”

   • The liquor liability exclusion states that letting people bring alcohol onto your premises is not by itself the business of selling or serving alcohol.

     12 07

     Not in this edition

     04 13

     “For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises”

Filed by one company only: 08 22 (Pekin Insurance Group, 6 filings).

5 other edition dates appear in one or two filings each, often carrier-specific versions: 05 22, 09 10, 11 04, 05 03, 12 01.

Where filings record what this form replaced, they name earlier edition 04 13. Only some filings record replacements.

• Edition in use: in the past 12 months, 17 companies filed the 04 13 edition and 2 companies filed 06 26.
• The 08 22 edition appears only in filings from Pekin Insurance Group (6 filings in 6 states since Feb 3, 2023), which suggests a carrier-specific version.
• CU 21 15 (Exclusion – Financial Services) is filed alongside it most often, in 83 of the same filings (78%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Chubb Limited GroupUses CU 00 01 in 2 filings
• Berkshire Hathaway GroupUses CU 00 01 in 1 filing
• Fairfax Financial GroupFiles its own version: CUZC 0001 Commercial Liability Umbrella Coverage Form (1 state)

• CU 21 15Exclusion – Financial Services83 filings
• CU 22 94Professional Liability Exclusion – Computer, Telecommunication, Electronic Data Or Internet Services (formerly titled Professional Liability Exclusion – Electronic Data Processing Services And Computer Consulting Or Programming Services)82 filings
• CU 24 30Amendment of Insured Contract Definition81 filings
• CU 22 85Exclusion – Internet Service Providers And Internet Access Providers Errors And Omissions79 filings
• CU 22 93Professional Liability Exclusion – Computer Data Processing79 filings
• CU 21 42Exclusion – Exterior Insulation And Finish Systems78 filings
• CU 24 31Limited Contractual Liability - Railroads78 filings
• CU 22 86Professional Liability Exclusion – Web Site Designers77 filings
• CU 24 06Fiduciaries – Fiduciary Interest76 filings
• CU 24 04Financial Institutions – Fiduciary Interest Only75 filings