CU 04 03 Employee Benefits Liability Coverage

An Insurance Services Office (ISO) standard form. It adds claims-made umbrella coverage for negligent acts, errors or omissions in administering your employee benefit programs, above a scheduled retained limit and subject to a retroactive date.

1. 06 26 edition

   Jun 2026, compared with 12 19Latest edition

   • The catch-all part of the employee benefit program definition now covers any other employee benefits program rather than only other similar benefits.

     12 19

     “Any other similar benefits:”

     06 26

     “Any other employee benefits program:”

2. 12 19 edition

   Dec 2019, compared with 12 07

   • Benefits specified under any underlying insurance policy now count as part of your employee benefit program.

     12 07

     “Any other similar benefits designated in the”

     12 19

     “Specified under any policy of "underlying insurance".”

2 other edition dates appear in one or two filings each, often carrier-specific versions: 02 19, 09 14.

• Edition in use: in the past 12 months, 27 companies filed the 12 19 edition and 1 company filed 06 26.
• CU 04 12 (Condominiums, Co-ops, Associations – Directors and Officers Liability Coverage) is filed alongside it most often, in 67 of the same filings (71%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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

• Chubb Limited GroupUses CU 04 03 in 1 filing
• WR Berkley Corporation GroupFiles its own version: CL CU 2416 Employee Benefits Liability Coverage (4 states)
• Fairfax Financial GroupFiles its own version: CUZC 0403 Employee Benefits Liability Coverage (1 state)

• CU 04 12Condominiums, Co-ops, Associations – Directors and Officers Liability Coverage67 filings
• CU 22 20Pharmacists – Limited Professional Services Coverage (formerly titled Pharmacists)59 filings
• CU 22 63Pharmacists – Broadened Professional Services Coverage (formerly titled Pharmacists – Broadened Coverage)59 filings
• CU 27 10Extended Reporting Period Endorsement For Employee Benefits Liability Coverage58 filings
• CU 00 01Commercial Liability Umbrella Coverage Form57 filings
• CU 24 30Amendment of Insured Contract Definition56 filings
• CU 04 54Loss Of Electronic Data Resulting From Physical Injury To Tangible Property Liability Coverage – Deletion Of Bodily Injury Exception (formerly titled Loss Of Electronic Data Resulting From Physical Injury To Tangible Property Liability Coverage – Subject To Cyber Incident Exclusion – Deletion Of Bodily Injury Exception)55 filings
• CU 34 22Cannabis Exclusion55 filings
• CU 34 23Cannabis Exclusion With Hemp Exception55 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)54 filings