ISO COMMERCIAL CRIME COVERAGES ENDORSEMENTS CHECKLIST

(January 2026)

This list provides forms and endorsements, identified by number and title, that can be used to modify coverage under the Insurance Services Office (ISO) Commercial Crime Program.

Related Article: ISO Commercial Crime Coverages Available Endorsements and Their Uses – will provide an explanation of each endorsement.

This checklist is designed for use with the following:

Related Articles:

Commercial Crime Coverages Exposure Analysis Checklist

ISO Commercial Crime Coverage Sample Insurance Proposal Language

Brochure: Understanding the ISO Commercial Crime Coverage Form

The endorsement list has been updated to reflect the 06 22 edition changes, including revision titles, new endorsements, and withdrawn endorsements. Withdrawn endorsements have been removed.

Place a checkmark beside any coverage form or endorsement you recommend be included.

CR 04 01–Employee Theft Of Clients’ Property (revised title)

CR 04 03–Extortion–Commercial Entities

CR 04 04–Extortion–Government Entities

CR 04 05–Inside the Premises–Theft of Other Property

CR 04 06–Inside the Premises–Robbery of a Watchperson or Burglary of Other Property

CR 04 07–Inside the Premises–Robbery of a Custodian or Safe Burglary of Money and Securities

CR 04 08–Employee Theft–Name or Position Schedule

CR 04 09–Lessees of Safe Deposit Boxes

CR 04 10–Securities Deposited With Others

CR 04 11–Guests’ Property

CR 04 12–Safe Depository

CR 04 13–Destruction of Electronic Data or Computer Programs By Employees (revised title)

CR 04 14–Unauthorized Reproduction of Computer Software by Employees

CR 04 15–Identity Fraud Expense

CR 04 16–Telephone Toll Fraud

CR 04 18–Fraudulent Impersonation – Extended Coverage (new)

CR 20 01–Policy Change (Discovery Form)

CR 20 02–Policy Change (Loss Sustained Form)

CR 20 04–Change Extended Period to Discover Loss

CR 20 05–Include Retroactive Date

CR 20 08–Convert to an Aggregate Limit of Insurance

CR 20 11–Coindemnity

CR 20 12–Binding Arbitration

CR 20 13–Non-Binding Arbitration

CR 20 14–Loss Payable

CR 20 15–Joint Loss Payable

CR 20 16–Provide Notice of Cancellation to Another Entity

CR 20 17–Provide Required Notice of Cancellation to Another Entity

CR 20 18–Include Joint Venture or Partnership as Insured(s)

CR 20 19–Obligee

CR 20 20–Calculation of Premium

CR 20 21–Exclusion of Certain Computer-Related Losses

CR 20 24–Provide Limited Coverage for Loss Occurring Before Retroactive Date

CR 20 27–Provide Varying Deductibles

CR 20 28–Add Protective Devices or Services

CR 20 30–Amend Territory Condition–Include Worldwide Coverage

CR 20 31–Include as Joint Insured(s)

CR 20 32–Amend Definition of Financial Institution

CR 20 33-Excess Over Underlying Insurance (new)

CR 20 34-Coinsurance (new)

CR 20 35-Include As Join Insured(s) (new)

CR 20 36-Waive Acts Committed By Employees Or ERISA Plan Officials Below an Amount (new)

CR 20 37-Waive Acts Committed By Employees Below An Amount (new)

CR 25 01–Exclude Designated Persons or Classes of Persons as Employees

CR 25 02–Include Designated Agents as Employees

CR 25 03–Include Partners as Employees

CR 25 04–Include Members of a Limited Liability Company as Employees

CR 25 06–Include Chairpersons and Members of Specified Committees as Employees

CR 25 08–Include Specified Non-Compensated Officers as Employees

CR 25 09–Include Volunteer Workers as Employees

CR 25 10–Include Volunteer Workers Other Than Fund Solicitors as Employees

CR 25 11–Include the Spouse and Children of Building Manager, Superintendent, or Janitor as Employees

CR 25 12–Include Treasurers or Tax Collectors as Employees

CR 25 13–Include Students as Employees

CR 25 14–Include Officers and Employees of Federal Reserve Bank Acting as EFTS Agent as Employees

CR 25 16–Add Trading Coverage

CR 25 17–Add Warehouse Receipts Coverage

CR 25 18–Add Faithful Performance of Duty Coverage

CR 25 19–Add Faithful Performance of Duty Coverage for Government Employees

CR 25 21–Add Warehouse Receipts Forgery

CR 25 22–Include Personal Accounts of Specified Persons

CR 25 23–Exclude Certain Risks Inherent in Insurance Operations

CR 25 24–Exclude High-Grading Loss

CR 25 25–Exclude Unauthorized Advances, Require Annual Audit

CR 25 26–Rural Utilities Service Borrowing Corporations–Limit Amount of Insurance on Collection Agents

CR 25 27–Rural Utilities Service Joint Insured

CR 25 28–Rural Utilities Services Regulations

CR 25 29–Insured at Military Center

CR 25 30–Banks for Cooperatives and Federal Intermediate Credit Banks

CR 25 31–Add Blanket Excess Limit of Insurance for Specified Joint Insured

CR 25 32–Provide Employee Theft Coverage Excess Over a Statutory Bond Requirement

CR 25 33–Employee Theft–Per Loss Excess over Employee Theft–Per Employee

CR 25 34–Add Schedule Excess Limit of Insurance for Specified Employees or Positions

CR 25 35–Add Schedule Excess Limit of Insurance for Specified Employees or Positions for Employee Theft Only

CR 25 36–Change Schedule (Discovery Form)

CR 25 37–Change Schedule (Loss Sustained Form)

CR 25 38–Change Schedule Excess Limit of Insurance for Specified Employees or Positions (Discovery Form)

CR 25 39–Change Schedule Excess Limit of Insurance for Specified Employees or Positions (Loss Sustained Form)

CR 25 40–Include Expenses Incurred to Establish Amount of Covered Loss

CR 25 41–Include Designated Persons or Classes of Persons as Employees

CR 25 42–Include Computer Software Contractors as Employees

CR 25 43–Add Faithful Performance of Duty Coverage for Specified Government Employees or Positions

CR 25 45–Include Virtual Currency as Money

CR 25 46–Include Virtual Currency as Money

CR 25 48-Include Indemnity Of Bonded Officials (new)

CR 25 49-Include Designated Agents As ERISA Plan Officials (new)

25 50-ERISA Employee benefit Plans – Schedule Limit Of Insurance (new)

25 51-Non-ERISA Employee Benefit Plans – Schedule Limit Of Insurance (new)

25 52-Labor Organizations Amendatory Endorsement (Amends Employee Theft Insuring Agreement) (new)

25 53-Labor Organizations Amendatory Endorsement (Amends Employee Theft -Name or Position Schedule Insuring agreement) (new)

CR 35 01–Exclude Specified Property

CR 35 10–Forcible Entry into Premises Requirement

CR 35 13–Exclude Designated Premises

CR 35 14–Reduce Limit of Insurance for Designated Premises

CR 35 15–Decrease Limit of Insurance While Premises Not Open for Business

CR 35 16–Exclude from Extortion Coverage Persons or Property at Designated Premises

CR 35 17–Include Personal Extortion for Named Individuals

CR 35 20–Add Property of Others

CR 35 22–Require Record of Checks

CR 35 23–Extend Definition of Premises to Include Portion of Grounds Enclosed by Fence or Wall

CR 35 24–Increase Limit of Insurance for Specified Periods

CR 35 25–Include Selling Price or Processing Charge

CR 35 26–Extend Premises to Entire Plot of Ground under Your Control

CR 35 27–Include Covered Property in Custody of Designated Agents

CR 35 28–Include Guests’ Property Accepted for Safekeeping

CR 35 29–Include Securities Held by a Depository in Trust

CR 35 30–Include Bulky Property

CR 35 31– Provide Sublimits for Money, Securities, or Checks

CR 35 32–Limit Coverage for Money and Securities Outside the Premises to Robbery Only

CR 35 33–Increase Limit of Insurance per Guest

CR 35 34–Include Damage from Food or Liquid

CR 35 35–Include Property in Custody of Laundry or Cleaner

CR 35 36–Include Property of Guests Occupying Leased Lodging Accommodations

CR 35 37–Include Samples of Articles Carried or Held for Sale or Delivery

CR 35 38–Include Money for Full or Partial Limit of Insurance

CR 35 40–Safe Deposit Box Transfer

CR 45 01–Policy Change

CR 45 02–Death and Dismemberment

CR 45 03–Products Recall Expenses

CR 45 04–Business Income and Extra Expense