Coverage description
An Insurance Services Office (ISO) standard form. It waives the insurer's right to recover payments made under the umbrella coverage part from the persons or organizations named in the schedule, but only to the extent you waived your own recovery rights against them before the loss.
How the form has changed
2 changes across 2 revisions, newest first. Each edition is compared with the one before it, using wording from filed copies.
12 20 edition
Dec 2020, compared with 12 19Latest editionThe waiver now applies only to the extent the insured waived its own right of recovery against the scheduled person or organization before the loss.
12 19
Not in this edition
12 20
“Such waiver by us applies only to the extent that the insured has waived its right of recovery against”
12 19 edition
Dec 2019, compared with 09 00The waiver now applies to any payments made under the coverage part, not only to injury or damage from your ongoing operations or your work done under a contract with the scheduled party.
09 00
“injury or damage arising out of your ongoing operations or”
12 19
“because of payments we make under this Coverage Part”
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 | 74 | 51 | 25 | Jan 2022 to Aug 2026 |
| 12 19Dec 2019 | 17 | 8 | 10 | Dec 2021 to Jan 2026 |
| 09 00Sep 2000 | 14 | 10 | 8 | Aug 2022 to Mar 2025 |
2 other edition dates appear in one or two filings each, often carrier-specific versions: 04 92, 11 85.
Where filings record what this form replaced, they name earlier edition 12 19. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 15 companies filed the 12 20 edition and 1 company filed 12 19.
- CU 34 23 (Cannabis Exclusion With Hemp Exception) is filed alongside it most often, in 72 of the same filings (67%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 24 03, out of 39 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grinnell Mutual GroupGrinnell Mutual Reinsurance Company | 9 | 9 | 12 20 | Mar 22, 2023 |
| Nationwide Corporation Group3 group companies filed it, led by Nationwide Agribusiness Insurance Company and Crestbrook Insurance Company | 8 | 2 | 12 2009 00 | Jun 30, 2026 |
| 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 |
| Insurance Services Office, Inc.Advisory Organization | 7 | 5 | 12 2012 19 | Jan 19, 2023 |
| Grange Mutual CAS GroupGrange Insurance Company | 6 | 6 | 12 19 | Mar 26, 2024 |
| Pekin Insurance GroupPekin Insurance Company | 6 | 6 | 12 20 | Mar 21, 2023 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 12 2012 19 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 12 20 | Jun 15, 2026 |
| James River GroupFalls Lake National Insurance Company | 4 | 4 | 09 00 | Jan 13, 2023 |
| Liberty Mutual Group3 group companies filed it, led by State Automobile Mutual Insurance Company and American States Insurance Company | 4 | 3 | 12 2004 9211 85 | Aug 18, 2025 |
How the largest insurers handle CU 24 03
Groups among the largest commercial umbrella and excess insurers that filed CU 24 03 or their own version in the past five years.
- Chubb Limited GroupUses CU 24 03 in 1 filing
- Berkshire Hathaway GroupUses CU 24 03 in 1 filing
- WR Berkley Corporation GroupUses CU 24 03 in 3 filings
- Fairfax Financial GroupUses CU 24 03 in 1 filing
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States
Number of filings that include CU 24 03 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 34 23Cannabis Exclusion With Hemp Exception72 filings
- CU 21 86Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability - With Limited Bodily Injury Exception70 filings
- CU 22 39Driving Schools - Non- Owned Autos69 filings
- CU 22 37Motor Carrier Endorsement67 filings
- CU 24 81Automatic Insured Status For Newly Acquired Or Formed Limited Liability Companies65 filings
- CU 21 08Exclusion - Intercompany Products Suits64 filings
- CU 21 01Exclusion - Athletic or Sports Participants63 filings
- CU 21 17Exclusion - Designated Operations Covered By A Controlled (Wrap-Up) Insurance Program63 filings
- CU 21 90Public or Livery Passenger Conveyance and on- Demand Delivery Services Exclusion63 filings
- CU 22 18Optical And Hearing Aid Establishments62 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 28, 2026 | Truck Insurance Exchange | IL | 12 20 | FARM-134815661 |
| Jan 7, 2026 | Merchants Mutual Insurance Company | MA | 12 19 | MERC-134789495 |
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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