AI Exclusion Endorsements and Policy Impact

Which AI exclusion endorsements are showing up in commercial policies, what each form does, which policy types it can affect, and what controls a business should document before it lets AI act inside real workflows.

What this tracker answers

  • Which carriers have filed AI exclusion endorsements, and where
  • What standard forms like Verisk CG 40 47 and Berkley PC 51380 exclude
  • Filing status by state — filed, pending, or withdrawn
  • Which policy types each endorsement applies to (CGL, E&O, cyber)
  • Which AI governance controls matter before an exclusion becomes a claim problem

Where this lands operationally

AI exclusion language is not just a policy question. It changes what a business needs to log, review, approve, and document before an AI workflow goes live.

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AI Exclusion Map Which carriers have filed AI exclusions? What is Verisk CG 40 47? Verisk CG 40 47 W.R. Berkley PC 51380

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.

Type: EXCLUSION Applies to: D&O, E&O, Fiduciary Nationwide available
State Filing Date Status Source
CO 2025-12-01 filed berkley.com
CA 2026-01-05 filed berkley.com
NY 2026-01-10 filed berkley.com
IL 2026-02-01 pending berkley.com
CT 2026-02-15 pending berkley.com

Filing status based on carrier announcements and state DOI records. Verify filings through SERFF Filing Access.

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Verisk — CG 35 08

Excludes bodily injury and property damage arising out of generative AI under products/completed operations coverage.

Type: EXCLUSION Applies to: Products/Completed Operations Nationwide available
State Filing Date Status Source
CO 2025-11-15 adopted verisk.com
CA 2025-12-01 adopted verisk.com
NY 2025-12-15 adopted verisk.com
IL 2026-01-10 adopted verisk.com
CT 2026-01-20 filed verisk.com

Filing status based on carrier announcements and state DOI records. Verify filings through SERFF Filing Access.

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Verisk — CG 40 47 01 26

Excludes bodily injury, property damage, and personal/advertising injury arising out of generative AI under Coverage A and Coverage B. Part of the January 2026 ISO edition; companion forms address narrower scopes: CG 40 48 (Coverage B / personal and advertising injury only) and CG 35 08 (products and completed operations).

Type: EXCLUSION Applies to: CGL Nationwide available
State Filing Date Status Source
CO 2025-11-15 adopted verisk.com
CA 2025-12-01 adopted verisk.com
NY 2025-12-15 adopted verisk.com
IL 2026-01-10 adopted verisk.com
CT 2026-01-20 filed verisk.com

Filing status based on carrier announcements and state DOI records. Verify filings through SERFF Filing Access.

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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.

Type: EXCLUSION Applies to: CGL Nationwide available
State Filing Date Status Source
CO 2025-11-15 adopted verisk.com
CA 2025-12-01 adopted verisk.com
NY 2025-12-15 adopted verisk.com
IL 2026-01-10 adopted verisk.com
CT 2026-01-20 filed verisk.com

Filing status based on carrier announcements and state DOI records. Verify filings through SERFF Filing Access.

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