What is Verisk CG 40 47?
Answer
Verisk CG 40 47 is a standardized commercial general liability (CGL) endorsement titled "Exclusion – Generative Artificial Intelligence." When attached to a policy, it removes coverage for bodily injury, property damage, and personal or advertising injury that arises out of generative AI content, output, or interaction. It applies whether the AI is owned, licensed, or embedded in another product.
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.
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
- Verisk Emerging Issues — ISO General Liability multistate filing last checked 2026-05-31
Scope
General business and insurance-risk analysis, not legal advice. It does not change your legal liability for AI-related harm; it only governs whether your insurer will defend or indemnify such a claim, and it affects commercial general liability (CGL) coverage specifically. It is a full exclusion of generative-AI-related bodily injury, property damage, and personal/advertising injury, excluding claims 'arising out of' generative AI content, output, or interaction, whether the AI is owned, licensed, or embedded. Filed as a standard Verisk/ISO form; adopted in CO, CA, NY, and IL and filed in CT as of the last verified date. Confirm specifics with your broker.
Operational implication
If your CGL carrier attaches CG 40 47, AI-related general liability claims may fall outside coverage. The practical exposure depends on how your organization uses AI and whether those uses are documented and governed.
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
Inventory where AI touches your operations, then map each use against your current CGL wording so you can see which activities a CG 40 47 exclusion would reach before renewal.
Discuss Broker Risk Intake →Related Questions
- 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.
- 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 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.
- 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.
- 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.