Does Verisk CG 40 47 apply to my CGL policy?
Answer
It applies only if your insurer has attached the CG 40 47 endorsement to your commercial general liability policy. The endorsement is optional for carriers, so its presence varies by insurer and state filing. To confirm, check the endorsement schedule on your declarations page for form number CG 40 47, or ask your broker to review your 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.
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
Scope
General business and insurance-risk analysis, not legal advice. Whether the endorsement is present does not alter your underlying legal liability for AI-related harm; it determines whether your specific CGL policy still responds to AI-related claims. If present, the exclusion removes generative-AI-related bodily injury, property damage, and personal/advertising injury coverage, and its presence is confirmed by the form number CG 40 47 appearing in your endorsement schedule or declarations. Verisk has filed the form nationwide, but adoption by your individual carrier and state determines whether it reaches your policy. Confirm specifics with your broker.
Operational implication
You cannot assume coverage either way without reading the policy. Until the declarations page is checked, treat AI-related general liability exposure as unconfirmed rather than covered or excluded.
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
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
Pull your current CGL declarations and endorsement schedule, locate any AI-related form numbers, and document the AI workflows those forms would touch so renewal conversations start from facts.
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.
- How do I know if my policy has an AI exclusion endorsement? 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.
- 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.