Coverage description
An Insurance Services Office (ISO) standard form. It modifies the umbrella for auto dealers whose underlying insurance is an Auto Dealers Coverage Form, revising exclusions, who is an insured for covered autos, garagekeepers coverage and key definitions.
How the form has changed
4 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
09 18 edition
Sep 2018, compared with 12 07Latest editionInsured status for employees now also excludes injury to a fellow employee's spouse, child, parent, brother or sister resulting from that employee's injury.
12 07
Not in this edition
09 18
“The spouse, child, parent, brother or”
The insured contract definition is revised for auto dealership rental and lease contracts, excluding obligations to pay for damage to autos you or your employees rent or lease.
12 07
Not in this edition
09 18
“pay "property damage" to any "auto" rented”
Your product now includes goods or products made or sold by an auto dealership you have acquired.
12 07
Not in this edition
09 18
“An "auto" dealership you have acquired”
Garagekeepers coverage is no broader than the underlying insurance.
12 07
Not in this edition
09 18
“provided by this Coverage Part will not be broader”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 09 18Sep 2018Latest | 47 | 31 | 17 | May 2022 to Aug 2026 |
| 12 07Dec 2007 | 7 | 6 | 2 | Jun 2022 to Jun 2026 |
2 other edition dates appear in one or two filings each, often carrier-specific versions: 01 08, 03 99.
What the filings show
- Edition in use: in the past 12 months, 8 companies filed the 09 18 edition and 2 companies filed 12 07.
- CU 24 16 (Auto Dealers Broad Form Products Coverage) is filed alongside it most often, in 51 of the same filings (91%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 31, out of 21 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grinnell Mutual GroupGrinnell Mutual Reinsurance Company | 7 | 7 | 09 18 | Mar 22, 2023 |
| Tokio Marine Holdings Incorporated Group2 group companies filed it, led by Safety National Casualty Corporation and Philadelphia Indemnity Insurance Company | 7 | 3 | 09 18 | Aug 11, 2026 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 09 18 | Jun 26, 2026 |
| Grange Mutual CAS GroupGrange Insurance Company | 5 | 5 | 09 18 | Mar 26, 2024 |
| Nationwide Corporation Group2 group companies filed it, led by Crestbrook Insurance Company and Nationwide Agribusiness Insurance Company | 5 | 1 | 12 07 | Jun 30, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 09 18 | Jun 15, 2026 |
| Celina GroupThe Celina Mutual Insurance Company | 3 | 3 | 09 18 | Aug 14, 2025 |
| Amtrust Financial Services Group7 group companies filed it, led by AmTrust Insurance Company of Kansas, Inc. and CorePointe Insurance Company | 2 | 1 | 09 18 | Aug 8, 2023 |
| Berkshire Hathaway Group2 group companies filed it, led by The Medical Protective Company and Wellfleet Insurance Company | 2 | 2 | 09 18 | Jun 30, 2026 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and Wilson Mutual Insurance Company | 2 | 2 | 09 1812 07 | Jun 25, 2024 |
How the largest insurers handle CU 22 31
Groups among the largest commercial umbrella and excess insurers that filed CU 22 31 or their own version in the past five years.
- Berkshire Hathaway GroupUses CU 22 31 in 1 filing
- WR Berkley Corporation GroupFiles its own version: CL CU 2430 Auto Dealers Endorsement (4 states)
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States
Number of filings that include CU 22 31 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 16Auto Dealers Broad Form Products Coverage51 filings
- CU 21 01Exclusion - Athletic or Sports Participants50 filings
- CU 21 08Exclusion - Intercompany Products Suits50 filings
- CU 24 03Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)50 filings
- CU 24 19Lessor - Additional Insured And Loss Payee49 filings
- CU 22 18Optical And Hearing Aid Establishments48 filings
- CU 22 20Pharmacists48 filings
- CU 22 21Colleges or Schools48 filings
- CU 22 29Leasing Or Rental Concerns - Schedule Of Limits For Owned Autos48 filings
- CU 24 15Fellow Employee Auto Coverage For Designated Employees/Positions48 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 | 09 18 | PHLX-135041545 |
| Jun 30, 2026 | The Medical Protective Companyand 1 more | IL | 09 18 | MDPC-135002488 |
| Jun 30, 2026 | Crestbrook Insurance Companyand 1 more | CO | 12 07 | NWPP-135003098 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 09 18 | CHMU-134995025 |
| Jun 19, 2026 | Addison Insurance Companyand 1 more | CO | 09 18 | UNFG-134979875 |
| Jun 15, 2026 | Sompo America Insurance Company | CO | 09 18 | SMPJ-134971280 |
| Jun 2, 2026 | Philadelphia Indemnity Insurance Company | IL | 09 18 | PHLX-134967828 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 09 18 | SFCC-134815068 |
| Nov 22, 2025 | The Medical Protective Companyand 1 more | WA | 09 18 | MDPC-134692417 |
| Aug 18, 2025 | American States Insurance Company | WY | 01 08 | LBRC-134640495 |
| Aug 18, 2025 | Safeco Insurance Company of America | WY | 03 99 | LWCM-134631960 |
| Aug 14, 2025 | The Celina Mutual Insurance Company | IN | 09 18 | CEIN-134638958 |
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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