Coverage description
An Insurance Services Office (ISO) standard form. It replaces the umbrella's insured contract definition for operations performed for, or affecting, a scheduled railroad at a designated job site, so that contracts assuming tort liability for that work count as insured contracts.
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.
06 26 edition
Jun 2026, compared with 03 05Latest editionA contract assuming another party's tort liability now counts as an insured contract only to the extent the law permits that assumption.
03 05
Not in this edition
06 26
“shall only be considered an "insured contract" to the extent your assumption of the tort liability is permitted by law”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 06 26Jun 2026Latest | 26 | 2 | 25 | Sep 2025 to Feb 2026 |
| 03 05Mar 2005 | 43 | 29 | 7 | May 2022 to Aug 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 07 98.
Where filings record what this form replaced, they name earlier edition 03 05. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 11 companies filed the 03 05 edition and 1 company filed 06 26.
- CU 22 01 (Exclusion – Property Entrusted) is filed alongside it most often, in 68 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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 24 09, out of 20 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 25 | 25 | 06 26 | Sep 30, 2025 |
| Nationwide Corporation Group4 group companies filed it, led by Nationwide Agribusiness Insurance Company and Crestbrook Insurance Company | 8 | 3 | 03 05 | 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 | 03 0506 26 | Aug 11, 2026 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 03 05 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 03 05 | Jun 15, 2026 |
| AU Holding Company GroupContinental Indemnity Company | 3 | 3 | 03 05 | May 3, 2024 |
| American Family Insurance GroupMidvale Indemnity Company | 2 | 2 | 03 05 | Sep 28, 2023 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and Wilson Mutual Insurance Company | 2 | 2 | 03 05 | Jun 25, 2024 |
| Mountain West Farm GroupMountain West Farm Bureau Mutual Insurance Company | 2 | 2 | 03 05 | Oct 16, 2023 |
| Ally Insurance Holdings GroupMotors Insurance Corporation | 1 | 1 | 03 05 | Mar 19, 2024 |
How the largest insurers handle CU 24 09
Groups among the largest commercial umbrella and excess insurers that filed CU 24 09 or their own version in the past five years.
- Chubb Limited GroupUses CU 24 09 in 1 filing
- Berkshire Hathaway GroupUses CU 24 09 in 1 filing
- Fairfax Financial GroupFiles its own version: CUZC 2409 Contractual Liability - Railroads (1 state)
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States
Number of filings that include CU 24 09 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 22 01Exclusion – Property Entrusted68 filings
- CU 21 42Exclusion – Exterior Insulation And Finish Systems67 filings
- CU 24 04Financial Institutions – Fiduciary Interest Only67 filings
- CU 24 06Fiduciaries – Fiduciary Interest67 filings
- CU 22 05Exclusion - Housing Projects Sites66 filings
- CU 22 08Exclusion – Saline Substances Contamination66 filings
- CU 22 13Exclusion – Underground Resources And Equipment66 filings
- CU 22 24Exclusion – Telecommunication Equipment Or Service Providers Errors And Omissions66 filings
- CU 00 01Commercial Liability Umbrella Coverage Form65 filings
- CU 21 15Exclusion – Financial Services65 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 | 03 05 | MRTN-134978915 |
| Aug 11, 2026 | Philadelphia Indemnity Insurance Company | SC | 03 05 | PHLX-135041545 |
| Jul 22, 2026 | Star Insurance Company | SC | 03 05 | ACCD-G134876003 |
| Jun 30, 2026 | The Medical Protective Companyand 1 more | IL | 03 05 | MDPC-135002488 |
| Jun 30, 2026 | Crestbrook Insurance Companyand 1 more | CO | 03 05 | NWPP-135003098 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 03 05 | CHMU-134995025 |
| Jun 19, 2026 | Addison Insurance Companyand 1 more | CO | 03 05 | UNFG-134979875 |
| Jun 15, 2026 | Sompo America Insurance Company | CO | 03 05 | SMPJ-134971280 |
| Jun 2, 2026 | Philadelphia Indemnity Insurance Company | IL | 03 05 | PHLX-134967828 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 06 26 | SFCC-134815068 |
| Sep 30, 2025 | Insurance Services Office, Inc. | GA | 06 26 | ISOF-134687840 |
| Sep 16, 2025 | Insurance Services Office, Inc. | VT | 06 26 | ISOF-134664793 |
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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