Product background
Commercial general liability covers third-party bodily injury, property damage, personal and advertising injury, and the premises/operations and products/completed operations liability exposures that show up across many commercial accounts.
Useful CGL filing research usually compares how carriers change base coverage forms, additional insured provisions, contractual risk-transfer endorsements, pollution or industry exclusions, and state amendatory language.
What forms make up a commercial general liability policy
An ISO commercial general liability policy is a declarations page (CG DS 01), one coverage form, the common policy conditions (IL 00 17) and endorsements. The coverage form is CG 00 01 on an occurrence basis (filed by 71 carrier groups) or CG 00 02 on a claims-made basis (44); liquor liability (CG 00 33), products-completed operations (CG 00 37), pollution (CG 00 39) and owners and contractors protective liability (CG 00 09) have their own coverage forms. Widely filed endorsements add insureds (CG 20 10, CG 20 26, CG 20 37), waive subrogation (CG 24 04) or remove exposures (CG 40 32 for PFAS, filed by 78 carrier groups).
All ISO CG formsCommercial general liability forms by insurer
Common filing signals
- Coverage part revisions, state amendments, and common policy conditions
- Additional insured, waiver of subrogation, and primary and noncontributory endorsements
- Pollution, professional services, assault, abuse, cannabis, PFAS, and other exclusion endorsements
Rate impact
| State | Filings | Avg |
|---|---|---|
| MA | 61 | +3.2% |
| LA | 60 | +2.9% |
| PA | 58 | +5.4% |
| TN | 57 | +5.6% |
| IN | 55 | +4.6% |
| GA | 51 | +5.9% |
| WI | 50 | +1.5% |
| VA | 48 | +4.3% |
| Carrier | Avg | Filings |
|---|---|---|
| Chubb Limited Group31 states | +24.8% | 31 |
| Federated Mutual Group32 states | +17.1% | 34 |
| American Financial Group23 states | +16.7% | 34 |
| Greater NY Group11 states | +13.8% | 12 |
| CNA Insurance Group4 states | +13.5% | 4 |
| Clear Blue Financial Group7 states | -13.1% | 7 |
| Federated Rural Electric Insurance Exchange14 states | +11.9% | 15 |
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Feb 2, 2026 | Liberty Mutual Group | KY | Government Sml | +100.0% | +100.0% |
| Feb 2, 2026 | Liberty Mutual Group | KY | Government Sml | +100.0% | +100.0% |
| Feb 2, 2026 | Liberty Mutual Group | KY | Government Sml | +100.0% | +100.0% |
| Feb 2, 2026 | Liberty Mutual Group | KY | Government Sml | +100.0% | +100.0% |
| Jun 9, 2026 | Amtrust Financial Services Group | VA | ISO Catchup & Lcm Revision | +70.7% | +71.0% |
| May 15, 2026 | Selective Insurance Group | TN | Pricing - General Liability | +67.3% | +19.1% |
| Dec 31, 2025 | Liberty Mutual Group | WI | Commercial General Liability | -59.7% | -59.7% |
| Dec 31, 2025 | Liberty Mutual Group | WI | Commercial General Liability | -59.7% | -59.7% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| General Liability | Federated Mutual Group | Other | 198 | Nov 10, 2026 |
| Cl General Liability 26 | THE Hanover Insurance Group | Revised | 94 | Nov 10, 2026 |
| General Liability | Acuity, A Mutual Insurance Company | Revised | 87 | Nov 10, 2026 |
| Sb General Liability | Westfield Group | Revised | 56 | Nov 10, 2026 |
| General Liability - Media, Arts and Entertainment (Mae) | Hartford Fire & CAS Group | New | 42 | Nov 10, 2026 |
| Clg 10 02 04 27 Care, Custody or Control Replacement | American Financial Group | Revised | 7 | Nov 10, 2026 |
Top carriers
Top states
Insurance forms library
Form programs
Form examples
- CG 40 32: Exclusion - Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS)
- CG 21 06: Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information
- CG 20 10: Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization Endorsement
- CG DS 01: Commercial General Liability Declarations
- CG 20 26: Additional Insured - Designated Person or Organization Endorsement
- CG 00 01: Commercial General Liability Coverage Form