Coverage description
An Insurance Services Office (ISO) standard form. It replaces the umbrella liquor liability exclusion for businesses that make, sell, serve or furnish alcohol, or let guests bring it, unless valid underlying insurance for the liquor risk applies or would have applied.
How the form has changed
2 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
04 13 edition
Apr 2013, compared with 09 00Latest editionThe exclusion now also applies when you permit people to bring alcohol onto your premises for consumption there.
09 00
Not in this edition
04 13
“Permit any person to bring any alcoholic beverages on your premises”
The exclusion applies even when claims allege negligent supervision, hiring or training, or failure to provide transportation.
09 00
Not in this edition
04 13
“Providing or failing to provide transportation”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 04 13Apr 2013Latest | 55 | 34 | 14 | May 2022 to Aug 2026 |
| 09 00Sep 2000 | 3 | 4 | 2 | Jan 2023 to Mar 2025 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 04 92.
What the filings show
- Edition in use: in the past 12 months, 16 companies filed the 04 13 edition.
- CU 00 01 (Commercial Liability Umbrella Coverage Form) is filed alongside it most often, in 57 of the same filings (97%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 13, out of 25 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grinnell Mutual GroupGrinnell Mutual Reinsurance Company | 9 | 9 | 04 13 | Mar 22, 2023 |
| Nationwide Corporation Group4 group companies filed it, led by Nationwide Agribusiness Insurance Company and Crestbrook Insurance Company | 8 | 3 | 04 13 | 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 | 04 13 | Aug 11, 2026 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 04 13 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 04 13 | Jun 15, 2026 |
| AU Holding Company GroupContinental Indemnity Company | 2 | 2 | 04 13 | May 3, 2024 |
| American Family Insurance GroupMidvale Indemnity Company | 2 | 2 | 04 13 | Sep 28, 2023 |
| Copperpoint Group3 group companies filed it, led by Alaska National Insurance Company and CopperPoint Casualty Insurance Company | 2 | 1 | 04 13 | Jun 24, 2026 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and Wilson Mutual Insurance Company | 2 | 2 | 04 13 | Jun 25, 2024 |
| Mountain West Farm GroupMountain West Farm Bureau Mutual Insurance Company | 2 | 2 | 04 13 | Oct 16, 2023 |
How the largest insurers handle CU 21 13
Groups among the largest commercial umbrella and excess insurers that filed CU 21 13 or their own version in the past five years.
- Chubb Limited GroupUses CU 21 13 in 1 filing
- Berkshire Hathaway GroupUses CU 21 13 in 1 filing
- Fairfax Financial GroupUses CU 21 13 in 1 filing
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States
Number of filings that include CU 21 13 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 00 01Commercial Liability Umbrella Coverage Form57 filings
- CU 21 14Amendment Of Liquor Liability Exclusion - Exception For Scheduled Premises Or Activities57 filings
- CU 21 43Exclusion - Designated Products57 filings
- CU 21 07Contractual Liability Limitation56 filings
- CU 21 15Exclusion - Financial Services55 filings
- CU 21 75Exclusion - Insurance And Related Operations55 filings
- CU 22 09Exclusion - Failure To Supply55 filings
- CU 22 15Limitation of Coverage - Real Estate Operations55 filings
- CU 22 94Professional Liability Exclusion - Electronic Data Processing Services and Computer Consulting or Programming Services55 filings
- CU 21 41Exclusion - Counseling Services54 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Aug 12, 2026 | Colonial Surety Company | SC | 04 13 | MRTN-134978915 |
| Aug 11, 2026 | Philadelphia Indemnity Insurance Company | SC | 04 13 | PHLX-135041545 |
| Jul 2, 2026 | Zenith Insurance Company | CA | 04 13 | ZICO-134998423 |
| Jun 30, 2026 | The Medical Protective Companyand 1 more | IL | 04 13 | MDPC-135002488 |
| Jun 30, 2026 | Crestbrook Insurance Companyand 1 more | CO | 04 13 | NWPP-135003098 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 04 13 | CHMU-134995025 |
| Jun 24, 2026 | CopperPoint Casualty Insurance Companyand 1 more | SC | 04 13 | COPP-134996381 |
| Jun 19, 2026 | Addison Insurance Companyand 1 more | CO | 04 13 | UNFG-134979875 |
| Jun 15, 2026 | Sompo America Insurance Company | CO | 04 13 | SMPJ-134971280 |
| Jun 2, 2026 | Philadelphia Indemnity Insurance Company | IL | 04 13 | PHLX-134967828 |
| May 13, 2026 | Alaska National Insurance Company | SC | 04 13 | ALNI-134947655 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 04 13 | SFCC-134815068 |
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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