W.R. Berkley PC 51380 — AI Exclusion Analysis
Endorsement Overview
PC-51380 — EXCLUSION
Artificial Intelligence Exclusion — Professional and Management Liability
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
- Absolute exclusion — no coverage for any AI-related claim
- Applies to claims 'based upon, arising out of, or attributable to' AI
- Covers owned, licensed, and third-party AI systems
- No carve-back for incidental AI use
Market Impact
The broadest AI exclusion in the market. Unlike Verisk's CGL-focused form, this targets professional and management liability lines, directly affecting professional services firms.
Filing Status by State
| State | Filing Date | Status | Source |
|---|---|---|---|
| CO | 2025-12-01 | filed | SERFF CO |
| CA | 2026-01-05 | filed | SERFF CA |
| NY | 2026-01-10 | filed | SERFF NY |
| IL | 2026-02-01 | pending | SERFF IL |
| CT | 2026-02-15 | pending | SERFF CT |
Filing status based on carrier announcements and state DOI records. Verify filings through SERFF Filing Access.
Adopting Carrier Groups
- W.R. Berkley subsidiaries
- Select specialty carriers
Operational response
Exclusions like this reward documented controls. Where AI touches insured work, Gridex operates it with the governance underwriters look for.
Disclaimer: This content is provided for informational purposes only and does not constitute legal advice. AI regulations and insurance policy terms change frequently. Consult with a qualified attorney or insurance professional for advice specific to your situation. Gridex makes no warranties regarding the accuracy or completeness of this information.