Coverage description
An Insurance Services Office (ISO) standard form. It makes newly acquired or formed organizations, including limited liability companies, named insureds for up to 90 days, excluding injury or offenses before you acquired or formed them.
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.
12 20 edition
Dec 2020, compared with 12 19Latest editionAutomatic insured status for newly acquired or formed organizations now also applies under the Employee Benefits Liability Coverage endorsement, excluding acts, errors or omissions before acquisition or formation.
12 19
Not in this edition
12 20
“If the Employee Benefits Liability Coverage Endorsement is attached”
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 | 53 | 43 | 14 | Jan 2022 to Aug 2026 |
| 12 19Dec 2019 | 13 | 5 | 10 | Mar 2022 to Jan 2026 |
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, 13 companies filed the 12 20 edition and 1 company filed 12 19.
- CU 24 03 (Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)) is filed alongside it most often, in 65 of the same filings (98%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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 81, out of 27 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| 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 |
| 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 2012 19 | Jun 26, 2026 |
| Sompo GroupSompo America Insurance Company | 5 | 1 | 12 20 | Jun 15, 2026 |
| United Fire & CAS Group3 group companies filed it, led by United Fire and Casualty Company and Addison Insurance Company | 3 | 2 | 12 20 | Jun 19, 2026 |
| 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 |
| Berkshire Hathaway Group2 group companies filed it, led by The Medical Protective Company and Wellfleet Insurance Company | 2 | 2 | 12 20 | Jun 30, 2026 |
| EMC Insurance Company GroupEmployers Mutual Casualty Company | 2 | 1 | 12 20 | Sep 27, 2024 |
How the largest insurers handle CU 24 81
Groups among the largest commercial umbrella and excess insurers that filed CU 24 81 or their own version in the past five years.
- Berkshire Hathaway GroupUses CU 24 81 in 1 filing
- WR Berkley Corporation GroupUses CU 24 81 in 3 filings
- Fairfax Financial GroupUses CU 24 81 in 1 filing
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States
Number of filings that include CU 24 81 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 03Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)65 filings
- CU 22 36Truckers - Uniform Intermodal Interchange Endorsement Form UIIE - 156 filings
- CU 22 39Driving Schools - Non- Owned Autos56 filings
- CU 22 37Motor Carrier Endorsement55 filings
- CU 34 23Cannabis Exclusion With Hemp Exception55 filings
- CU 21 90Public Or Livery Passenger Conveyance And On-Demand Delivery Services Exclusion54 filings
- CU 34 22Cannabis Exclusion54 filings
- CU 34 24Cannabis Exclusion with Hemp and Lessors Risk Exceptions54 filings
- CU 04 23Excess Auto Dealers Acts, Errors or Omissions Liability Coverages52 filings
- CU 21 89Public Or Livery Passenger Conveyance Exclusion52 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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