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      "program": "ISO GL 2025 forms adoption (FL file 26-020994) and umbrella (26-021521)",
      "lineCategory": "umbrella_excess",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 40 47 01 26",
        "CG 40 48 01 26",
        "CG 35 08 01 26",
        "CU 34 69 01 26",
        "CU 34 70 01 26"
      ],
      "nStatesApprovedOrFiled": 1,
      "statesApprovedOrFiled": [
        "IL"
      ],
      "statesPending": [
        "MD"
      ],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 28,
      "carrierGroup": "Liberty Mutual",
      "program": "ISO GL 2025 forms adoption (FL file 25-056042)",
      "lineCategory": "general_liability",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 40 47 01 26",
        "CG 40 48 01 26",
        "CG 35 08 01 26"
      ],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 29,
      "carrierGroup": "Liberty Mutual (Ohio Casualty group)",
      "program": "ISO GL 2025 forms adoption (FL file 25-057728)",
      "lineCategory": "general_liability",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 40 47 01 26",
        "CG 40 48 01 26",
        "CG 35 08 01 26"
      ],
      "nStatesApprovedOrFiled": 1,
      "statesApprovedOrFiled": [
        "IL"
      ],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 30,
      "carrierGroup": "Westfield",
      "program": "ISO GL 2025 forms (FL 26-010905; IL 'CL General Liability' WSFG-G134843706 and 'SB General Liability' WSFG-G134843301) and umbrella (FL 26-010909; IL 'CL Umbrella' WSFG-G134843697 and 'SB Umbrella' WSFG-G134843384)",
      "lineCategory": "umbrella_excess",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 40 47 01 26",
        "CG 40 48 01 26",
        "CG 35 08 01 26",
        "CU 34 69 01 26",
        "CU 34 70 01 26"
      ],
      "nStatesApprovedOrFiled": 1,
      "statesApprovedOrFiled": [
        "IL"
      ],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 31,
      "carrierGroup": "Allianz Commercial (Allianz Global Risks US / Fireman's Fund)",
      "program": "ISO GL 2025 forms adoption in Florida (26-027175); GL 'Non-Adoption ISO' bureau filings in Connecticut (Fireman's Fund, 3 filings)",
      "lineCategory": "general_liability",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 40 47 01 26",
        "CG 40 48 01 26",
        "CG 35 08 01 26"
      ],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1",
        "e3"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 32,
      "carrierGroup": "Safety National (Tokio Marine)",
      "program": "ISO GL 2025 forms adoption (FL 25-043836); CT filing '1-SN-GL-F-26-CT' cites ISO circular LI-GL-2025-283",
      "lineCategory": "general_liability",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 40 47 01 26",
        "CG 40 48 01 26",
        "CG 35 08 01 26"
      ],
      "nStatesApprovedOrFiled": 1,
      "statesApprovedOrFiled": [
        "MI"
      ],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 33,
      "carrierGroup": "W. R. Berkley Corporation (regional companies)",
      "program": "ISO GL 2025 forms adoption (FL file 25-057310; earlier 25-056984 WITHDRAWN 12/22/2025)",
      "lineCategory": "general_liability",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 40 47 01 26",
        "CG 40 48 01 26",
        "CG 35 08 01 26"
      ],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 34,
      "carrierGroup": "Accelerant",
      "program": "ISO GL 2025 forms adoption (FL 26-034308, 2 rows); CT Commercial Package program filing (golf and country club) listing CG 40 47 among 14 forms",
      "lineCategory": "bop_package",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 40 47 01 26"
      ],
      "nStatesApprovedOrFiled": 9,
      "statesApprovedOrFiled": [
        "GA",
        "IA",
        "IL",
        "IN",
        "MA",
        "MD",
        "NC",
        "OH",
        "PA"
      ],
      "statesPending": [
        "NJ",
        "TX"
      ],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 35,
      "carrierGroup": "American Summit Insurance Company",
      "program": "ISO GL 2025 forms adoption (FL 26-028973)",
      "lineCategory": "general_liability",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 40 47 01 26"
      ],
      "nStatesApprovedOrFiled": 1,
      "statesApprovedOrFiled": [
        "IL"
      ],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 36,
      "carrierGroup": "USLI (Berkshire Hathaway)",
      "program": "ISO GL 2025 forms adoption (FL 26-039056 to 26-039068); CT package program filings 'Individual Professional Package' (U.S. Underwriters) and 'Multiple Products' (USLI), each adding CG 40 47 as the single form",
      "lineCategory": "bop_package",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 40 47 01 26"
      ],
      "nStatesApprovedOrFiled": 8,
      "statesApprovedOrFiled": [
        "CT",
        "GA",
        "IL",
        "IN",
        "MA",
        "NC",
        "PA",
        "WI"
      ],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 37,
      "carrierGroup": "Grange Insurance",
      "program": "'ISO Adoption of GL-2025-OFR25 and pool contractor forms, rec veh excl' (GRAE-134915968) and 'ISO Adoption CU-OMMFR' (GRAE-134955289)",
      "lineCategory": "umbrella_excess",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CG 35 08 01 26",
        "CG 40 47 01 26",
        "CG 40 48 01 26",
        "CU 34 69 01 26",
        "CU 34 70 01 26"
      ],
      "nStatesApprovedOrFiled": 5,
      "statesApprovedOrFiled": [
        "GA",
        "IL",
        "IN",
        "PA",
        "WI"
      ],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 38,
      "carrierGroup": "Pharmacists Mutual Insurance Group",
      "program": "ISO umbrella forms adoption (FL 25-054115)",
      "lineCategory": "umbrella_excess",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CU 34 69 01 26",
        "CU 34 70 01 26"
      ],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 39,
      "carrierGroup": "Jewelers Mutual",
      "program": "ISO umbrella forms adoption (FL 26-025286)",
      "lineCategory": "umbrella_excess",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CU 34 69 01 26",
        "CU 34 70 01 26"
      ],
      "nStatesApprovedOrFiled": 1,
      "statesApprovedOrFiled": [
        "IL"
      ],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 40,
      "carrierGroup": "Mutual Capital Group",
      "program": "ISO umbrella form adoption",
      "lineCategory": "umbrella_excess",
      "posture": "p2",
      "recordType": "iso_forms_adopted",
      "formNumbers": [
        "CU 34 69 01 26"
      ],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e3"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 41,
      "carrierGroup": "BITCO (Old Republic)",
      "program": "'GL-2025-OFR25 and GL-2025-ORU25' reference-filing adoption",
      "lineCategory": "general_liability",
      "posture": "p3",
      "recordType": "iso_adopted_by_reference",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [
        "HI"
      ],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 42,
      "carrierGroup": "Utica National Insurance Group",
      "program": "'Adopting GENERAL LIABILITY 2025 MULTISTATE' (UTCX-134752161) and 'Adopt LI-CL-2025-080 (GL/CU/BOP)' bureau adoption filings",
      "lineCategory": "umbrella_excess",
      "posture": "p3",
      "recordType": "iso_adopted_by_reference",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1",
        "e3"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 43,
      "carrierGroup": "Great American Insurance Group",
      "program": "'25369 - ISO CGL 2025 MULTISTATE FORMS' bureau filing (GACX-134824153); '25001 - 2025 Non-Adopt Package Modification Factors' (CT, GACX-134591087); '25344 - ISO ILF Non-Adoptions' (rates, MN)",
      "lineCategory": "general_liability",
      "posture": "p6",
      "recordType": "bureau_filing_unclear",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 44,
      "carrierGroup": "Pennsylvania National Insurance Group",
      "program": "'Commercial General Liability 2025 Multistate Forms'; 'Commercial Liability Umbrella 2025 Multistate Forms'",
      "lineCategory": "umbrella_excess",
      "posture": "p3",
      "recordType": "iso_adopted_by_reference",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e3"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 45,
      "carrierGroup": "Selective Insurance Group",
      "program": "'2025 GL Multistate Forms - Adopt' (40-41 filings per FilingFocus) alongside non-adoption filings (row 48)",
      "lineCategory": "general_liability",
      "posture": "p3",
      "recordType": "iso_adopted_by_reference",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1",
        "e3"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 46,
      "carrierGroup": "Zurich North America",
      "program": "'General Liability Delay Adoption of ISO Form and Rule Revision (GL-2025-OFR25)'",
      "lineCategory": "general_liability",
      "posture": "p4",
      "recordType": "iso_delayed_adoption",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 47,
      "carrierGroup": "Tokio Marine / Philadelphia Insurance Companies",
      "program": "'GL-2025-OFR25 Non Adoption' (filing type 'Non Adopt - Delayed Adopt Bureau Filing' in PA); also 'GL-2026-OFR1 Non Adoption' (Sep 2026, non-AI revision)",
      "lineCategory": "general_liability",
      "posture": "p5",
      "recordType": "iso_non_adoption",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [
        "CT",
        "MI",
        "NJ",
        "OR",
        "RI",
        "TX",
        "VA",
        "VT",
        "WA"
      ],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 48,
      "carrierGroup": "Selective Insurance Group",
      "program": "'Non Adoption of ISO's 2025 Multistate Revisions' (Dec 2025 - Mar 2026); 'Non adoption of ISO's GL Multistate Forms Revision' (Sep 2026)",
      "lineCategory": "bop_package",
      "posture": "p5",
      "recordType": "iso_non_adoption",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [
        "CT",
        "OR",
        "RI",
        "VA",
        "WA"
      ],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 49,
      "carrierGroup": "W. R. Berkley Corporation (regional companies)",
      "program": "'GL Multistate 2026 Non-Adopt ISO Form and Rule Revision - FMRU (AIC)' (BNIC-134803509, -134803533); 'Umbrella Multistate 2026 Non Adopt ISO Form and Rule Revisions - FMRU (AIC)' (BNIC-134803559, -134803561; also ME and MA)",
      "lineCategory": "umbrella_excess",
      "posture": "p5",
      "recordType": "iso_non_adoption",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 50,
      "carrierGroup": "Merchants Insurance Group",
      "program": "'… GLP Non Adopt 2025 Forms [and Rules] for CTR/CMP'; 'CMP/CTR Non Adopt GL 2025 OFR25 Forms' (PA); '… Non Adopt 2026 Forms Revisions'",
      "lineCategory": "bop_package",
      "posture": "p5",
      "recordType": "iso_non_adoption",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 51,
      "carrierGroup": "Travelers",
      "program": "'CLM Div. 6 Commercial General Liability' (6) and 'CLM Div. 4 Farm / Commercial Farm and Ranch' (3) bureau filings (Connecticut, filing type 'Non-Adopt or Delay Organization Filing')",
      "lineCategory": "general_liability",
      "posture": "p6",
      "recordType": "bureau_filing_unclear",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1",
        "e4"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 52,
      "carrierGroup": "Greater New York Insurance Companies",
      "program": "'General Liability - Form & Rule Delay Adoption Filing'; 'ISO's Commercial Liability Umbrella 2025 Multistate Forms And Rules Revisions'",
      "lineCategory": "umbrella_excess",
      "posture": "p4",
      "recordType": "iso_delayed_adoption",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 53,
      "carrierGroup": "New York Marine and General Insurance Company",
      "program": "'General Liability Delayed Adoption'; 'Commercial Umbrella Delayed Adoption'; 'Businessowners Delayed Adoption'; 'Commercial Lines Non-Adoption' (2)",
      "lineCategory": "umbrella_excess",
      "posture": "p4",
      "recordType": "iso_delayed_adoption",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 54,
      "carrierGroup": "Transguard Insurance Company of America",
      "program": "'Commercial GL - Moving & Storage Program - ISO Non Adopt / Non Adoption' (OH, PA); CT (TOI 17.1): 'General Liability - Moving and Storage Program - ISO Forms Delay of Adoption' (OCCD-134835521), '… ISO Rules Delay of Adoption Filing' (OCCD-134835550), '… ISO Loss Costs and Rules Non-Adoption Filing' (OCCD-134835638), 'Commercial Umbrella - Moving and Storage Program - ISO Forms Delay of Adoption Filing' (OCCD-134835625); CT package-rule non-adoptions (2)",
      "lineCategory": "umbrella_excess",
      "posture": "p4",
      "recordType": "iso_delayed_adoption",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 55,
      "carrierGroup": "Benchmark Insurance Company",
      "program": "'Medical Products/DME/Orthotics and Prosthetics and Manufacturers Program - ISO Delay Adopt'",
      "lineCategory": "general_liability",
      "posture": "p4",
      "recordType": "iso_delayed_adoption",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 56,
      "carrierGroup": "Crum & Forster (Fairfax Financial)",
      "program": "'LI-BP-2025-075 Delay'; 'LI-BP-2025-080 Delay'; 'LI-ML-2025-067 Delay' (later 'LI-ML-2025-067 withdrawal'); '2023 ISO Businessowners Multistate and Subsequent Filings Delay Adopt'",
      "lineCategory": "bop_package",
      "posture": "p4",
      "recordType": "iso_delayed_adoption",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 57,
      "carrierGroup": "Carriers with generic bureau reference filings in CT (all 102 opened in round 4; posture not determinable from the public record)",
      "program": "Connecticut filing type 'Non-Adopt or Delay Organization Filing' is used for bureau adoptions, delays and non-adoptions alike. Where the product name is generic the posture cannot be read from the public record; CT Appendix 1 (the 'Reference Filing Adoption Form') is the state's loss-cost adoption form and can also record delayed or partial adoptions, so an attached Appendix 1 does not establish forms adoption",
      "lineCategory": "umbrella_excess",
      "posture": "p6",
      "recordType": "bureau_filing_unclear",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 58,
      "carrierGroup": "Chubb",
      "program": "AI exclusions in commercial liability (GL; some sources add D&O/E&O)",
      "lineCategory": "general_liability",
      "posture": "p7",
      "recordType": "press_or_tracker_only",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e4"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 59,
      "carrierGroup": "Berkshire Hathaway",
      "program": "AI exclusions in GL",
      "lineCategory": "general_liability",
      "posture": "p7",
      "recordType": "press_or_tracker_only",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1",
        "e4"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 60,
      "carrierGroup": "Tokio Marine Holdings",
      "program": "Named by CSIS among carriers filing AI exclusions",
      "lineCategory": "other_multiple",
      "posture": "p7",
      "recordType": "press_or_tracker_only",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1",
        "e4"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 61,
      "carrierGroup": "Fairfax Financial",
      "program": "Named by CSIS among carriers filing AI exclusions",
      "lineCategory": "umbrella_excess",
      "posture": "p7",
      "recordType": "press_or_tracker_only",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
      "statesPending": [],
      "evidenceTiers": [
        "e1",
        "e4"
      ],
      "asOf": "2026-09-16T00:00:00.000Z"
    },
    {
      "programKey": 62,
      "carrierGroup": "Market-wide count",
      "program": "The Insurer analysis of ~10,000 SERFF filings",
      "lineCategory": "umbrella_excess",
      "posture": "p7",
      "recordType": "press_or_tracker_only",
      "formNumbers": [],
      "nStatesApprovedOrFiled": 0,
      "statesApprovedOrFiled": [],
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