What is the difference between AI exclusions and AI sublimits?
Answer
AI exclusions (like Verisk CG 40 47) eliminate all coverage for AI claims. AI sublimits (like Hamilton's) cap coverage at a lower amount but still provide some protection, often with governance incentives.
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
Hamilton — Hamilton AI Sublimit
Rather than excluding AI claims, applies a sublimit to AI-related professional liability claims, typically 25-50% of the policy limit.
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
Use this research to identify the workflow, review points, and operating controls that would matter in your organization.
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.
- What is the Hamilton AI sublimit endorsement? Hamilton's AI endorsement takes a sublimit approach rather than full exclusion, providing capped coverage for AI-related claims with governance incentives that can increase the sublimit for organizations with documented AI risk management programs.