Coverage description
An Insurance Services Office (ISO) standard form. It replaces the insured contract definition for operations for or affecting a scheduled railroad at a designated job site, so contracts assuming another party's tort liability count only when you or those acting for you cause the injury or damage at least in part.
How the form has changed
The 06 26 edition updates the form date and minor formatting. The coverage wording is the same as 04 13.
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 |
| 04 13Apr 2013 | 52 | 31 | 15 | May 2022 to Aug 2026 |
Where filings record what this form replaced, they name earlier edition 04 13. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 13 companies filed the 04 13 edition and 1 company filed 06 26.
- CU 00 01 (Commercial Liability Umbrella Coverage Form) is filed alongside it most often, in 78 of the same filings (100%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 31, out of 19 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 25 | 25 | 06 26 | Sep 30, 2025 |
| Grinnell Mutual GroupGrinnell Mutual Reinsurance Company | 9 | 9 | 04 13 | Mar 22, 2023 |
| Nationwide Corporation Group4 group companies filed it, led by Nationwide Agribusiness Insurance Company and Crestbrook Insurance Company | 8 | 3 | 04 13 | 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 | 04 1306 26 | Aug 11, 2026 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 5 | 2 | 04 13 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 04 13 | Jun 15, 2026 |
| AU Holding Company GroupContinental Indemnity Company | 2 | 2 | 04 13 | May 3, 2024 |
| American Family Insurance GroupMidvale Indemnity Company | 2 | 2 | 04 13 | Sep 28, 2023 |
| Berkshire Hathaway Group2 group companies filed it, led by The Medical Protective Company and Wellfleet Insurance Company | 2 | 2 | 04 13 | Jun 30, 2026 |
| Copperpoint Group3 group companies filed it, led by Alaska National Insurance Company and CopperPoint Casualty Insurance Company | 2 | 1 | 04 13 | Jun 24, 2026 |
How the largest insurers handle CU 24 31
Groups among the largest commercial umbrella and excess insurers that filed CU 24 31 or their own version in the past five years.
- Chubb Limited GroupUses CU 24 31 in 1 filing
- Berkshire Hathaway GroupUses CU 24 31 in 1 filing
- Fairfax Financial GroupFiles its own version: UM 0035800 Limited Contractual Liability - Railroads (40 states)
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States
Number of filings that include CU 24 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 00 01Commercial Liability Umbrella Coverage Form78 filings
- CU 21 15Exclusion – Financial Services78 filings
- CU 22 94Professional Liability Exclusion – Computer, Telecommunication, Electronic Data Or Internet Services (formerly titled Professional Liability Exclusion – Electronic Data Processing Services And Computer Consulting Or Programming Services)78 filings
- CU 22 85Exclusion – Internet Service Providers And Internet Access Providers Errors And Omissions76 filings
- CU 22 93Professional Liability Exclusion – Computer Data Processing76 filings
- CU 24 30Amendment of Insured Contract Definition76 filings
- CU 22 86Professional Liability Exclusion – Web Site Designers74 filings
- CU 24 06Fiduciaries – Fiduciary Interest74 filings
- CU 24 04Financial Institutions – Fiduciary Interest Only73 filings
- CU 22 20Pharmacists – Limited Professional Services Coverage (formerly titled Pharmacists)70 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 | 04 13 | MRTN-134978915 |
| Aug 11, 2026 | Philadelphia Indemnity Insurance Company | SC | 04 13 | PHLX-135041545 |
| Jun 30, 2026 | The Medical Protective Companyand 1 more | IL | 04 13 | MDPC-135002488 |
| Jun 30, 2026 | Crestbrook Insurance Companyand 1 more | CO | 04 13 | NWPP-135003098 |
| Jun 26, 2026 | Church Mutual Insurance Company, S.I. | CO | 04 13 | CHMU-134995025 |
| Jun 24, 2026 | CopperPoint Casualty Insurance Companyand 1 more | SC | 04 13 | COPP-134996381 |
| Jun 19, 2026 | Addison Insurance Companyand 1 more | CO | 04 13 | UNFG-134979875 |
| Jun 15, 2026 | Sompo America Insurance Company | CO | 04 13 | SMPJ-134971280 |
| Jun 2, 2026 | Philadelphia Indemnity Insurance Company | IL | 04 13 | PHLX-134967828 |
| May 13, 2026 | Alaska National Insurance Company | SC | 04 13 | ALNI-134947655 |
| Feb 17, 2026 | Safety National Casualty Corporation | CO | 06 26 | SFCC-134815068 |
| Nov 22, 2025 | The Medical Protective Companyand 1 more | WA | 04 13 | MDPC-134692417 |
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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