Coverage description
An Insurance Services Office (ISO) standard form. It removes employees and volunteer workers as insureds under the umbrella and excludes bodily injury or property damage from aircraft or watercraft operated by an employee or volunteer worker in the course of your business.
How the form has changed
3 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
11 16 edition
Nov 2016, compared with 09 00Latest editionThe aircraft and watercraft exclusion now also applies when a volunteer worker operates the aircraft or watercraft.
09 00
Not in this edition
11 16
“operated by any "employee" or "volunteer worker" in the course of his or her employment”
The exclusion applies even to claims alleging negligent supervision, hiring, employment, training or monitoring of others.
09 00
Not in this edition
11 16
“This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision”
Under the replaced who is an insured paragraph, only a person or organization acting as your real estate manager qualifies.
09 00
Not in this edition
11 16
“Any person or any organization while acting as your real estate manager.”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 11 16Nov 2016Latest | 57 | 31 | 21 | May 2022 to Aug 2026 |
| 09 00Sep 2000 | 5 | 3 | 4 | Nov 2022 to Mar 2025 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 11 06.
What the filings show
- Edition in use: in the past 12 months, 13 companies filed the 11 16 edition.
- CU 24 03 (Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)) is filed alongside it most often, in 60 of the same filings (95%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 21 05, out of 25 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grinnell Mutual GroupGrinnell Mutual Reinsurance Company | 9 | 9 | 11 16 | Mar 22, 2023 |
| Nationwide Corporation Group2 group companies filed it, led by Nationwide Agribusiness Insurance Company and Crestbrook Insurance Company | 7 | 2 | 11 16 | Jun 30, 2026 |
| Tokio Marine Holdings Incorporated Group2 group companies filed it, led by Safety National Casualty Corporation and Philadelphia Indemnity Insurance Company | 7 | 3 | 11 16 | Aug 11, 2026 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 11 16 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 11 16 | Jun 15, 2026 |
| Arbella Insurance GroupArbella Protection Insurance Company, Inc. | 3 | 3 | 11 16 | Oct 31, 2023 |
| James River GroupFalls Lake National Insurance Company | 3 | 3 | 09 00 | Nov 21, 2022 |
| AU Holding Company GroupContinental Indemnity Company | 2 | 2 | 11 16 | May 3, 2024 |
| American Family Insurance GroupMidvale Indemnity Company | 2 | 2 | 11 16 | Sep 28, 2023 |
| Berkshire Hathaway Group2 group companies filed it, led by The Medical Protective Company and Wellfleet Insurance Company | 2 | 2 | 11 16 | Jun 30, 2026 |
How the largest insurers handle CU 21 05
Groups among the largest commercial umbrella and excess insurers that filed CU 21 05 or their own version in the past five years.
- Chubb Limited GroupUses CU 21 05 in 1 filing
- Berkshire Hathaway GroupUses CU 21 05 in 1 filing
- Fairfax Financial GroupUses CU 21 05 in 1 filing
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States
Number of filings that include CU 21 05 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 24 03Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)60 filings
- CU 00 01Commercial Liability Umbrella Coverage Form57 filings
- CU 21 43Exclusion - Designated Products57 filings
- CU 21 24Exclusion - Non-Owned Aircraft56 filings
- CU 21 07Contractual Liability Limitation55 filings
- CU 24 78Noncontributory - Other Insurance Condition55 filings
- CU 21 08Exclusion - Intercompany Products Suits53 filings
- CU 22 18Optical And Hearing Aid Establishments53 filings
- CU 21 01Exclusion - Athletic or Sports Participants52 filings
- CU 21 15Exclusion - Financial Services52 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 | 11 16 | PHLX-135041545 |
| Jul 2, 2026 | Zenith Insurance Company | CA | 11 16 | ZICO-134998423 |
| Jun 30, 2026 | The Medical Protective Companyand 1 more | IL | 11 16 | MDPC-135002488 |
| Jun 30, 2026 | Crestbrook Insurance Companyand 1 more | CO | 11 16 | NWPP-135003098 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 11 16 | CHMU-134995025 |
| Jun 19, 2026 | Addison Insurance Companyand 1 more | CO | 11 16 | UNFG-134979875 |
| Jun 15, 2026 | Sompo America Insurance Company | CO | 11 16 | SMPJ-134971280 |
| Jun 2, 2026 | Philadelphia Indemnity Insurance Company | IL | 11 16 | PHLX-134967828 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 11 16 | SFCC-134815068 |
| Jan 5, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 11 16 | SFBC-134775309 |
| Nov 22, 2025 | The Medical Protective Companyand 1 more | WA | 11 16 | MDPC-134692417 |
| Nov 11, 2025 | Southern Farm Bureau Casualty Insurance Company | LA | 11 16 | SFBC-134733493 |
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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