Coverage description
An Insurance Services Office (ISO) standard form. It makes you, your driving instructors and student drivers being instructed insureds under the umbrella for autos you do not own while used for driver training, subject to the underlying insurance.
How the form has changed
The 12 20 edition simplifies the premium schedule and updates the form date. The coverage wording is the same as 09 18.
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 | 58 | 42 | 20 | Jan 2022 to Aug 2026 |
| 09 18Sep 2018 | 13 | 13 | 8 | Dec 2022 to Oct 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 01 08.
Where filings record what this form replaced, they name earlier edition 09 18. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 11 companies filed the 12 20 edition and 3 companies filed 09 18.
- CU 24 03 (Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)) is filed alongside it most often, in 69 of the same filings (96%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 39, out of 25 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grinnell Mutual GroupGrinnell Mutual Reinsurance Company | 9 | 9 | 12 20 | Mar 22, 2023 |
| 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 |
| Grange Mutual CAS GroupGrange Insurance Company | 6 | 6 | 09 18 | Mar 26, 2024 |
| Nationwide Corporation Group2 group companies filed it, led by Crestbrook Insurance Company and Nationwide Agribusiness Insurance Company | 6 | 2 | 12 20 | Jun 30, 2026 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 12 2009 18 | Jun 26, 2026 |
| Insurance Services Office, Inc.Advisory Organization | 5 | 5 | 12 20 | Jan 19, 2023 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 12 20 | Jun 15, 2026 |
| Amtrust Financial Services Group7 group companies filed it, led by Security National Insurance Company and Technology Insurance Company, Inc. | 3 | 2 | 09 18 | Oct 15, 2026 |
| Liberty Mutual Group2 group companies filed it, led by State Automobile Mutual Insurance Company and American States Insurance Company | 3 | 3 | 12 2001 08 | Aug 18, 2025 |
| 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 22 39
Groups among the largest commercial umbrella and excess insurers that filed CU 22 39 or their own version in the past five years.
- Chubb Limited GroupUses CU 22 39 in 1 filing
- Berkshire Hathaway GroupUses CU 22 39 in 1 filing
- WR Berkley Corporation GroupUses CU 22 39 in 3 filings
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States
Number of filings that include CU 22 39 in each state, Oct 2021 to Oct 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CU 24 03Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)69 filings
- CU 22 37Motor Carrier Endorsement67 filings
- CU 21 86Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability - With Limited Bodily Injury Exception61 filings
- CU 22 36Truckers - Uniform Intermodal Interchange Endorsement Form UIIE - 161 filings
- CU 34 23Cannabis Exclusion With Hemp Exception60 filings
- CU 24 81Automatic Insured Status For Newly Acquired Or Formed Limited Liability Companies56 filings
- CU 04 23Excess Auto Dealers Acts, Errors or Omissions Liability Coverages55 filings
- CU 21 89Public Or Livery Passenger Conveyance Exclusion52 filings
- CU 21 90Public Or Livery Passenger Conveyance And On-Demand Delivery Services Exclusion52 filings
- CU 21 01Exclusion - Athletic Or Sports Participants51 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 15, 2026 | Security National Insurance Companyand 2 more | CA | 09 18 | UNKP-135059588 |
| Aug 11, 2026 | Philadelphia Indemnity Insurance Company | SC | 12 20 | PHLX-135041545 |
| Aug 4, 2026 | Intrepid Casualty Company | CA | 12 20 | BNIC-135042224 |
| 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 |
| Aug 18, 2025 | American States Insurance Company | WY | 01 08 | LBRC-134640495 |
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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