Coverage description
An Insurance Services Office (ISO) standard form. It removes the umbrella exclusion for damage to your product when the underlying insurance is an Auto Dealers Coverage Form.
How the form has changed
The 09 18 edition refers to the Auto Dealers Coverage Form instead of the Garage Coverage Form. The coverage wording is the same as 09 00.
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 | 49 | 31 | 18 | Apr 2022 to Aug 2026 |
| 09 00Sep 2000 | 8 | 6 | 3 | Jun 2022 to Jun 2026 |
What the filings show
- Edition in use: in the past 12 months, 8 companies filed the 09 18 edition and 2 companies filed 09 00.
- CU 24 19 (Lessor - Additional Insured And Loss Payee) is filed alongside it most often, in 54 of the same filings (95%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 16, out of 21 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grinnell Mutual GroupGrinnell Mutual Reinsurance Company | 9 | 9 | 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 |
| Grange Mutual CAS GroupGrange Insurance Company | 6 | 6 | 09 18 | Mar 26, 2024 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 09 18 | Jun 26, 2026 |
| Nationwide Corporation Group2 group companies filed it, led by Crestbrook Insurance Company and Nationwide Agribusiness Insurance Company | 5 | 1 | 09 00 | Jun 30, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 09 18 | Jun 15, 2026 |
| Amtrust Financial Services Group7 group companies filed it, led by CorePointe Insurance Company and Milford Casualty Insurance Company | 3 | 2 | 09 18 | Feb 3, 2025 |
| 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 00 | Jun 25, 2024 |
| Mountain West Farm GroupMountain West Farm Bureau Mutual Insurance Company | 2 | 2 | 09 18 | Oct 16, 2023 |
How the largest insurers handle CU 24 16
Groups among the largest commercial umbrella and excess insurers that filed CU 24 16 or their own version in the past five years.
- Chubb Limited GroupUses CU 24 16 in 1 filing
- Berkshire Hathaway GroupUses CU 24 16 in 1 filing
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States
Number of filings that include CU 24 16 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 19Lessor - Additional Insured And Loss Payee54 filings
- CU 21 01Exclusion - Athletic or Sports Participants53 filings
- CU 21 08Exclusion - Intercompany Products Suits53 filings
- CU 24 03Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)53 filings
- CU 24 15Fellow Employee Auto Coverage For Designated Employees/Positions53 filings
- CU 22 18Optical And Hearing Aid Establishments52 filings
- CU 22 20Pharmacists52 filings
- CU 22 21Colleges or Schools52 filings
- CU 22 29Leasing Or Rental Concerns - Schedule Of Limits For Owned Autos51 filings
- CU 22 31Auto Dealers Endorsement51 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 | 09 00 | 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 |
| Jun 27, 2025 | Church Mutual Insurance Company, S.I. | CO | 09 18 | CHMU-134582751 |
| Jun 27, 2025 | Next Insurance US Company | CA | 09 18 | NXUS-134584662 |
| Jun 26, 2025 | Sompo America Insurance Company | CO | 09 18 | SMPJ-134585643 |
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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