Coverage description
An Insurance Services Office (ISO) standard form. It excludes umbrella coverage for covered autos used as public or livery conveyances for passengers, including time a driver is logged into a transportation network platform, except for business activities directly related to the named insured.
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 11 16Latest editionThe exclusion no longer applies to business activities performed by an insured that are directly related to the named insured.
11 16
Not in this edition
12 20
“this exclusion does not apply to business activities performed by an insured”
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 | 59 | 47 | 19 | Jan 2022 to Aug 2026 |
| 11 16Nov 2016 | 6 | 7 | 4 | Dec 2022 to Jun 2024 |
Where filings record what this form replaced, they name earlier edition 11 16 and other forms CU21901116. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 12 companies filed the 12 20 edition.
- CU 21 90 (Public Or Livery Passenger Conveyance And On-Demand Delivery Services Exclusion) is filed alongside it most often, in 64 of the same filings (98%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 89, out of 27 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 |
| Nationwide Corporation Group2 group companies filed it, led by Crestbrook Insurance Company and Nationwide Agribusiness Insurance Company | 7 | 2 | 12 2011 16 | Jun 30, 2026 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 12 2011 16 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 12 20 | Jun 15, 2026 |
| Celina GroupThe Celina Mutual Insurance Company | 4 | 4 | 12 20 | Aug 14, 2025 |
| Insurance Services Office, Inc.Advisory Organization | 4 | 4 | 12 20 | Jan 6, 2023 |
| United Fire & CAS Group3 group companies filed it, led by United Fire and Casualty Company and Addison Insurance Company | 3 | 2 | 12 20 | Jun 19, 2026 |
| WR Berkley Corporation Group6 group companies filed it, led by Berkley National Insurance Company and Berkley Regional Insurance Company | 3 | 1 | 12 20 | Aug 4, 2026 |
| American Financial Group2 group companies filed it, led by National Interstate Insurance Company and Vanliner Insurance Company | 2 | 1 | 12 20 | Nov 30, 2022 |
| Berkshire Hathaway Group2 group companies filed it, led by The Medical Protective Company and Wellfleet Insurance Company | 2 | 2 | 12 20 | Jun 30, 2026 |
How the largest insurers handle CU 21 89
Groups among the largest commercial umbrella and excess insurers that filed CU 21 89 or their own version in the past five years.
- Berkshire Hathaway GroupUses CU 21 89 in 1 filing
- WR Berkley Corporation GroupUses CU 21 89 in 3 filings
- Fairfax Financial GroupUses CU 21 89 in 1 filing
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States
Number of filings that include CU 21 89 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 21 90Public Or Livery Passenger Conveyance And On-Demand Delivery Services Exclusion64 filings
- CU 24 03Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)59 filings
- CU 21 86Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability - With Limited Bodily Injury Exception55 filings
- CU 22 36Truckers - Uniform Intermodal Interchange Endorsement Form UIIE - 154 filings
- CU 22 37Motor Carrier Endorsement53 filings
- CU 34 22Cannabis Exclusion53 filings
- CU 22 39Driving Schools - Non- Owned Autos52 filings
- CU 24 81Automatic Insured Status For Newly Acquired Or Formed Limited Liability Companies52 filings
- CU 34 23Cannabis Exclusion With Hemp Exception51 filings
- CU 34 24Cannabis Exclusion with Hemp and Lessors Risk Exceptions51 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 |
| Jul 2, 2026 | Zenith Insurance Company | CA | 12 20 | ZICO-134998423 |
| 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 | 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 |
| Sep 29, 2025 | Truck Insurance Exchange | KS | 12 20 | FARM-134687204 |
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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