Coverage description
An Insurance Services Office (ISO) standard form. It adds excess umbrella coverage for negligent acts, errors or omissions in your auto dealer operations, such as truth in lending, odometer, insurance agent or broker and title errors, subject to a separate aggregate limit and optional exclusions.
How the form has changed
1 change across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
12 20 edition
Dec 2020, compared with 12 19Latest editionA new exclusion removes coverage for damages from access to or disclosure of confidential or personal information, including notification and credit monitoring costs.
12 19
Not in this edition
12 20
“Damages arising out of any access to or disclosure of any person's or organization's confidential or personal information”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 20Dec 2020Latest | 45 | 40 | 11 | May 2022 to Aug 2026 |
| 12 19Dec 2019 | 8 | 2 | 7 | Dec 2022 to Mar 2024 |
| 09 18Sep 2018 | 4 | 16 | 1 | Aug 2023 to Jun 2026 |
Where filings record what this form replaced, they name earlier edition 12 19. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 11 companies filed the 12 20 edition and 9 companies filed 09 18.
- CU 22 39 (Driving Schools - Non- Owned Autos) is filed alongside it most often, in 55 of the same filings (96%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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.
Carriers filing this form
The 10 carrier groups with the most filings that include CU 04 23, out of 22 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Tokio Marine Holdings Incorporated Group2 group companies filed it, led by Safety National Casualty Corporation and Philadelphia Indemnity Insurance Company | 8 | 4 | 12 20 | Aug 11, 2026 |
| Grange Mutual CAS GroupGrange Insurance Company | 6 | 6 | 12 19 | Mar 26, 2024 |
| Nationwide Corporation Group2 group companies filed it, led by Crestbrook Insurance Company and Nationwide Agribusiness Insurance Company | 6 | 2 | 12 20 | Jun 30, 2026 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 12 2012 19 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 12 20 | Jun 15, 2026 |
| WR Berkley Corporation Group9 group companies filed it, led by Berkley National Insurance Company and Berkley Regional Insurance Company | 5 | 2 | 12 2009 18 | Aug 4, 2026 |
| Insurance Services Office, Inc.Advisory Organization | 3 | 3 | 12 20 | Jan 6, 2023 |
| Amtrust Financial Services Group7 group companies filed it, led by AmTrust Insurance Company of Kansas, Inc. and CorePointe Insurance Company | 2 | 1 | 09 18 | Aug 8, 2023 |
| Berkshire Hathaway Group2 group companies filed it, led by The Medical Protective Company and Wellfleet Insurance Company | 2 | 2 | 12 20 | Jun 30, 2026 |
| Liberty Mutual GroupState Automobile Mutual Insurance Company | 2 | 2 | 12 20 | Mar 10, 2023 |
How the largest insurers handle CU 04 23
Groups among the largest commercial umbrella and excess insurers that filed CU 04 23 or their own version in the past five years.
- Berkshire Hathaway GroupUses CU 04 23 in 1 filing
- WR Berkley Corporation GroupUses CU 04 23 in 3 filings
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States
Number of filings that include CU 04 23 in each state, Oct 2021 to Aug 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CU 22 39Driving Schools - Non- Owned Autos55 filings
- CU 22 36Truckers - Uniform Intermodal Interchange Endorsement Form UIIE - 154 filings
- CU 22 37Motor Carrier Endorsement54 filings
- CU 24 03Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)53 filings
- CU 24 81Automatic Insured Status For Newly Acquired Or Formed Limited Liability Companies52 filings
- CU 21 89Public Or Livery Passenger Conveyance Exclusion48 filings
- CU 21 90Public Or Livery Passenger Conveyance And On-Demand Delivery Services Exclusion48 filings
- CU 34 22Cannabis Exclusion48 filings
- CU 34 23Cannabis Exclusion With Hemp Exception48 filings
- CU 34 24Cannabis Exclusion with Hemp and Lessors Risk Exceptions48 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Aug 11, 2026 | Philadelphia Indemnity Insurance Company | SC | 12 20 | PHLX-135041545 |
| Aug 4, 2026 | Intrepid Casualty Company | CA | 12 20 | BNIC-135042224 |
| Jun 30, 2026 | The Medical Protective Companyand 1 more | IL | 12 20 | MDPC-135002488 |
| Jun 30, 2026 | Crestbrook Insurance Companyand 1 more | CO | 12 20 | NWPP-135003098 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 12 20 | CHMU-134995025 |
| Jun 19, 2026 | Berkley Casualty Companyand 8 more | CO | 09 18 | BNIC-134992815 |
| Jun 19, 2026 | Addison Insurance Companyand 1 more | CO | 12 20 | UNFG-134979875 |
| Jun 15, 2026 | Sompo America Insurance Company | CO | 12 20 | SMPJ-134971280 |
| Jun 2, 2026 | Philadelphia Indemnity Insurance Company | IL | 12 20 | PHLX-134967828 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 12 20 | SFCC-134815068 |
| Nov 22, 2025 | The Medical Protective Companyand 1 more | WA | 12 20 | MDPC-134692417 |
| Jul 1, 2025 | Berkley Casualty Companyand 8 more | CO | 09 18 | BNIC-134587731 |
Most filed ISO CU forms
- CU 34 54 Exclusion - Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS)
- CU 21 86 Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information
- CU 00 05 Exclusion - Violation of Law Addressing Data Privacy
- CU 34 56 Exclusion – Cyber Incident
- CU DS 01 Commercial Liability Umbrella Declarations
- CU 21 88 Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information (Coverage B Only)
- CU 34 44 Broad Abuse or Molestation Exclusion
- CU 34 55 Exclusion - Electronic Data - Deletion Of Bodily Injury Exception
- CU 22 37 Motor Carrier Endorsement
- CU 21 87 Exclusion - Access Or Disclosure Of Confidential Or Personal Information and Data-Related Liability - Limited Bodily Injury Exception Not Included
- CU 04 02 Loss Of Electronic Data Resulting From Physical Injury To Tangible Property Liability Coverage - Subject To Cyber Incident Exclusion
- CU 04 54 Loss of Electronic Data Resulting From Physical Injury To Tangible Property Liability Coverage - Subject To Cyber Incident Exclusion - Deletion Of Bodily Injury Exception
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