What it does
CG 40 51 01 26 is ISO's Exclusion – Assault Or Battery endorsement for the commercial general liability coverage part. ISO introduced it in its 2025 general liability forms filing (GL-2025-OFR25), approved in most states with a January 1, 2026 effective date, so it can appear on policies written from 2026.
Before this form, assault and battery exclusions on GL policies were carrier-written. Wording, any exceptions (for example for reasonable force used to protect persons or property) and whether negligent hiring, supervision or security claims are reached should be read on the form itself.
Who needs it
Hospitality, habitational and security accounts, where fights, shootings and assaults by third parties lead to negligent security claims against the business or landlord.
Key provisions and limits
- Liquor liability coverage parts use the companion CG 35 09 (Exclusion – Assault Or Battery, Liquor Liability).
- ISO's Illinois filing lists CG 40 51 as withdrawn there, so availability varies by state.
Quoting and selling notes
- Ask about security staff, cameras, lighting, incident logs, police calls and prior assault claims; underwriters will price or exclude this exposure on that information.
- If the exclusion is attached, look for a sublimited assault and battery coverage option or a separate policy, and tell the client in writing.
- Landlords and property managers should check leases and tenant insurance requirements; negligent security suits often name the owner.
