Coverage description
An Insurance Services Office (ISO) standard form. It treats injury or damage from listed optical and hearing aid services as caused by an occurrence under the umbrella, while employees and volunteer workers are not insureds for other professional health care services.
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.
12 19 edition
Dec 2019, compared with 04 13Latest editionOnly the listed optical and hearing aid services are treated as an occurrence, rather than professional health care services including those listed.
04 13
“failure to render professional health care services, including”
12 19
“failure to render the following professional health care services”
Volunteer workers, as well as employees, are not insureds for professional health care services other than those listed.
04 13
Not in this edition
12 19
“none of these "employees" or "volunteer workers" are insureds for”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 19Dec 2019Latest | 54 | 28 | 21 | Mar 2022 to Aug 2026 |
| 04 13Apr 2013 | 9 | 6 | 4 | Jun 2022 to Jun 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 12 07.
Where filings record what this form replaced, they name other forms CU 84. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 12 companies filed the 12 19 edition and 2 companies filed 04 13.
- CU 21 08 (Exclusion - Intercompany Products Suits) is filed alongside it most often, in 62 of the same filings (97%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 22 18, out of 24 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grinnell Mutual GroupGrinnell Mutual Reinsurance Company | 9 | 9 | 12 19 | Mar 22, 2023 |
| Nationwide Corporation Group3 group companies filed it, led by Nationwide Agribusiness Insurance Company and Crestbrook Insurance Company | 7 | 2 | 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 | 12 19 | Aug 11, 2026 |
| Grange Mutual CAS GroupGrange Insurance Company | 6 | 6 | 12 19 | Mar 26, 2024 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 12 19 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 12 19 | Jun 15, 2026 |
| American Family Insurance GroupMidvale Indemnity Company | 2 | 2 | 12 19 | Sep 28, 2023 |
| Berkshire Hathaway Group2 group companies filed it, led by The Medical Protective Company and Wellfleet Insurance Company | 2 | 2 | 12 19 | Jun 30, 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 |
| Insurance Services Office, Inc.Advisory Organization | 2 | 1 | 12 19 | May 23, 2022 |
How the largest insurers handle CU 22 18
Groups among the largest commercial umbrella and excess insurers that filed CU 22 18 or their own version in the past five years.
- Chubb Limited GroupUses CU 22 18 in 1 filing
- Berkshire Hathaway GroupUses CU 22 18 in 1 filing
- WR Berkley Corporation GroupFiles its own version: CL CU 2197 Optical and Hearing Aid Establishments (5 states)
- Fairfax Financial GroupUses CU 22 18 in 1 filing
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States
Number of filings that include CU 22 18 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 08Exclusion - Intercompany Products Suits62 filings
- CU 24 03Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)62 filings
- CU 21 01Exclusion - Athletic Or Sports Participants61 filings
- CU 22 21Colleges or Schools61 filings
- CU 21 17Exclusion - Designated Operations Covered By A Controlled (Wrap-Up) Insurance Program59 filings
- CU 22 20Pharmacists58 filings
- CU 22 63Pharmacists - Broadened Coverage58 filings
- CU 24 15Fellow Employee Auto Coverage For Designated Employees/Positions55 filings
- CU 24 19Lessor - Additional Insured And Loss Payee54 filings
- CU 34 20Exclusion - All Hazards In Connection With An Electronic Smoking Device, Its Vapor, Component Parts, Equipment And Accessories54 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 | 12 19 | MRTN-134978915 |
| Aug 11, 2026 | Philadelphia Indemnity Insurance Company | SC | 12 19 | PHLX-135041545 |
| Jul 2, 2026 | Zenith Insurance Company | CA | 12 19 | ZICO-134998423 |
| Jun 30, 2026 | The Medical Protective Companyand 1 more | IL | 12 19 | 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 | 12 19 | CHMU-134995025 |
| Jun 19, 2026 | Addison Insurance Companyand 1 more | CO | 12 19 | UNFG-134979875 |
| Jun 15, 2026 | Sompo America Insurance Company | CO | 12 19 | SMPJ-134971280 |
| Jun 2, 2026 | Philadelphia Indemnity Insurance Company | IL | 12 19 | PHLX-134967828 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 12 19 | SFCC-134815068 |
| Jan 5, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 12 19 | SFBC-134775309 |
| Nov 22, 2025 | The Medical Protective Companyand 1 more | WA | 12 19 | 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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