How do I know if my policy has an AI exclusion endorsement?
Answer
Check your policy's declarations page and endorsement schedule for AI-specific form numbers — for example CG 40 47 or CG 40 48 (Verisk, general liability) and PC 51380 (W.R. Berkley, professional and management liability). These forms are listed by number. If you hold several policies, ask your broker to run an endorsement audit across all of them, since different lines may carry different AI provisions.
Check your policy's endorsement schedule or declarations page for forms CG 40 47 (Verisk/CGL), PC 51380 (Berkley/Professional), or similar AI-specific endorsements. Your broker can run an endorsement audit across all your policies.
Sources checked
- Independent Agent — Verisk to roll out new GL exclusions for generative AI last checked 2026-05-31
- PropertyCasualty360 — General liability endorsements: generative AI last checked 2026-05-31
- W.R. Berkley (carrier site) last checked 2026-03-20
Scope
General business and insurance-risk analysis, not legal advice. Identifying an endorsement is about coverage, not about your liability for AI use; it tells you whether each policy still responds to AI-related claims. The relevant forms are AI exclusions (Verisk, Berkley) or sublimits (Hamilton), and their presence is confirmed by the specific form number in the endorsement schedule, not by general policy language. Whether a form can appear on your policy depends on its filing and your carrier's adoption in your state. Confirm specifics with your broker.
Operational implication
Coverage status is a document-review question, not a guess. A complete list of your policies and their endorsements is the starting point for understanding AI exposure.
Carrier Endorsement Details
Verisk — CG 40 47
Excludes bodily injury, property damage, and personal/advertising injury arising out of generative AI content, output, or interaction.
Key Provisions
W.R. Berkley — PC 51380
Absolute AI exclusion for D&O, E&O, and Fiduciary Liability — eliminates coverage for any claim "based upon, arising out of, or attributable to" AI use.
Key Provisions
Where this lands operationally
Gridex turns the compliance or coverage question into operated workflow controls: intake, review points, audit trails, and the places a person stays in the decision.
Discuss Broker Risk Intake
Gather declarations pages for every active policy, list the endorsement form numbers, and flag any AI-related forms so you have one place that shows where coverage may be limited.
Discuss Broker Risk Intake →Related Questions
- What is Verisk CG 40 47? Verisk CG 40 47 is a CGL policy endorsement that excludes coverage for bodily injury, property damage, or personal/advertising injury arising out of AI systems.
- Does Verisk CG 40 47 apply to my CGL policy? If your CGL insurer has adopted the Verisk CG 40 47 endorsement, it excludes all AI-related claims from your general liability coverage. Check your policy declarations page for this endorsement number.
- What does Berkley PC 51380 exclude? Berkley PC 51380 is an absolute AI exclusion for professional and management liability (D&O, E&O, Fiduciary) that eliminates coverage for any claim based upon, arising out of, or attributable to AI use.
- Which insurance carriers have filed AI exclusions? Verisk (CG 40 47 for CGL), W.R. Berkley (PC 51380 for D&O/E&O), and Hamilton (sublimit for E&O/Cyber) are the three carriers with filed AI endorsements. Verisk's form is being adopted across multiple carrier groups.
- What AI documentation do insurers require? Insurers increasingly want documented AI governance programs, risk assessments, and usage inventories when underwriting technology-related policies. Hamilton's sublimit endorsement explicitly rewards governance documentation with higher coverage limits.