Coverage description
An Insurance Services Office (ISO) standard form. It excludes umbrella coverage for covered autos used as a public or livery conveyance, or by an insured logged into a ride-sharing or delivery app as a driver, including under excess uninsured and underinsured motorists coverage.
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 by an insured that are directly related to the Named Insured.
11 16
Not in this edition
12 20
“However, this exclusion does not apply to business activities performed by an insured that are directly related to the Named Insured(s) listed in the Declarations.”
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 | 77 | 52 | 29 | Jan 2022 to Aug 2026 |
| 11 16Nov 2016 | 7 | 8 | 4 | Dec 2022 to Jun 2024 |
Where filings record what this form replaced, they name earlier editions 11 16, 11 6. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 14 companies filed the 12 20 edition.
- CU 21 86 (Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information) is filed alongside it most often, in 67 of the same filings (80%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 90, out of 32 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grinnell Mutual GroupGrinnell Mutual Reinsurance Company | 10 | 10 | 12 20 | Mar 26, 2024 |
| 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 |
| Brethren Mutual Insurance Company | 5 | 5 | 12 20 | Jul 21, 2024 |
| 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 |
How the largest insurers handle CU 21 90
Groups among the largest commercial umbrella and excess insurers that filed CU 21 90 or their own version in the past five years.
- Berkshire Hathaway GroupUses CU 21 90 in 1 filing
- WR Berkley Corporation GroupUses CU 21 90 in 3 filings
- Fairfax Financial GroupUses CU 21 90 in 1 filing
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States
Number of filings that include CU 21 90 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 86Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information67 filings
- CU 21 89Public Or Livery Passenger Conveyance Exclusion64 filings
- CU 34 22Cannabis Exclusion64 filings
- CU 24 03Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)63 filings
- CU 34 24Cannabis Exclusion with Hemp and Lessors Risk Exceptions63 filings
- CU 22 37Motor Carrier Endorsement62 filings
- CU 34 41Exclusion - Cannabis Products58 filings
- CU 22 36Truckers - Uniform Intermodal Interchange Endorsement Form UIIE - 154 filings
- CU 24 81Automatic Insured Status For Newly Acquired Or Formed Limited Liability Companies54 filings
- CU 34 23Cannabis Exclusion With Hemp Exception53 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 |
| Jan 5, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 12 20 | SFBC-134775309 |
| Nov 22, 2025 | The Medical Protective Companyand 1 more | WA | 12 20 | MDPC-134692417 |
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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