The short version
- Standard forms now have AI exclusions available. Verisk says ISO filed new optional multistate exclusion endorsements for generative artificial intelligence for its general liability program.
- They are optional. Each insurer decides whether to use them, state by state. A policy renewed without one this year may have one next year.
- Broader exclusions are appearing on management and professional policies. Trade press and law firms have reported an "absolute" AI exclusion from W. R. Berkley on D&O, E&O, and fiduciary products, and TechCrunch, citing the Financial Times, reported that Great American, Chubb, and W. R. Berkley asked U.S. regulators for permission to exclude AI-related liabilities from corporate policies.
- The opposite trend exists too. Some insurers add affirmative AI coverage instead. See the AI liability guide.
The ISO general liability exclusions
According to Verisk's descriptions, as reported by Claims Journal in July 2026:
| Form | What it excludes |
|---|---|
| CG 40 47 | Bodily injury, property damage, and personal and advertising injury arising out of generative AI, under the commercial general liability coverage part |
| CG 40 48 | Only personal and advertising injury (Coverage B) arising out of generative AI |
| CG 35 08 | Bodily injury and property damage arising out of generative AI, under the products and completed operations coverage part |
According to Verisk, each form includes a definition of generative AI. Personal and advertising injury includes claims like defamation and copyright infringement in your advertising, which is where AI-generated marketing content creates exposure.
What an AI exclusion can take away
| Policy | Claims an AI exclusion could remove |
|---|---|
| General liability | Injury or damage from AI-enabled products; defamation or infringement in AI-generated advertising |
| Professional liability (E&O) | Client losses from AI-assisted work, often the core of a service firm's exposure |
| D&O | Shareholder or investor claims over AI statements and strategy |
| EPLI | Discrimination claims from AI hiring and screening tools |
| Cyber | Breaches or fraud involving AI, if a policy excludes them rather than covering them |
How to check your policies
- Search the full policy, not the declarations page. Look for "artificial intelligence," "generative," "machine learning," "algorithm," and "automated."
- Read every endorsement added at renewal. Exclusions can arrive as endorsements or as revised policy wording, and may not come with any change in premium.
- Ask for the specimen forms before you bind. Your broker can request the exact endorsement list from the insurer.
- Compare the exclusion to how you actually use AI. A broad "arising out of" exclusion can reach claims where AI played only a small part.
- Look for affirmative coverage if an exclusion lands on a policy you rely on.
Paste a client contract into our contract insurance checker to see whether it asks about AI.