Pharmacists Mutual Insurance Company and Chiron Insurance Company filed in Nevada on September 5, 2025, to introduce a new Commercial General Liability (CGL) program effective January 1, 2026. The filing includes a wide array of new declarations, conditions, endorsements, and exclusions, combining ISO and independent forms.

Key updates include broad coverage enhancements (automatic additional insured, mental anguish under bodily injury, incidental healthcare malpractice), specialty liability coverages (cyber, sexual misconduct and physical abuse, employment practices), and extensive exclusions for areas such as nanomaterials, firearms, asbestos, lead, assault and battery, and trafficking. The cyber endorsement offers coverage for breaches, extortion, brand damage, and fraud-related events, underscoring a focus on digital risk.

Pharmacists Mutual is a mutual insurer, while Chiron is its wholly-owned stock subsidiary.