Which insurance carriers have filed AI exclusions?
Answer
As of the last verified date, three carriers have publicly filed AI-specific endorsements: Verisk, with CG 40 47 and the narrower CG 40 48 for commercial general liability; W.R. Berkley, with PC 51380, an absolute AI exclusion for D&O, E&O, and Fiduciary lines; and Hamilton, which applies a sublimit rather than an exclusion to AI claims under E&O and Cyber policies.
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.
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
- Hamilton Insurance Group (carrier site) last checked 2026-03-20
Scope
General business and insurance-risk analysis, not legal advice. Filing an endorsement does not change anyone's legal liability for AI use; it changes what insurers agree to cover. Coverage spans commercial general liability (Verisk), professional and management liability (Berkley), and E&O/Cyber (Hamilton): the Verisk and Berkley forms are exclusions, while Hamilton's form is a sublimit, not an exclusion. Each uses distinct wording — Verisk targets generative AI content/output, Berkley uses absolute 'arising out of' language, and Hamilton conditions full limits on AI governance documentation. Verisk forms are adopted across multiple states and carrier groups; Berkley and Hamilton filings remain filed or pending in several states as of the last verified date. Confirm specifics with your broker.
Operational implication
AI exclusions are no longer hypothetical across major liability lines. Which forms reach your business depends on your carriers and policy types, so a cross-policy review is more useful than tracking any single form.
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
Verisk — CG 40 48
Excludes personal and advertising injury arising out of generative AI content, output, or interaction. Applies to Coverage B only — does not exclude bodily injury or property damage.
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
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
Build a simple register of your active liability policies and carriers, then check each for AI endorsements so you know your real exposure across CGL, professional, and cyber lines rather than reacting form by form.
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 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.