Verisk CG 35 08 — AI Exclusion Analysis
Endorsement Overview
CG-35-08 — EXCLUSION
Exclusion – Generative Artificial Intelligence (Products/Completed Operations)
Excludes bodily injury and property damage arising out of generative AI under products/completed operations coverage.
Key Provisions
- Excludes BI/PD from AI under products/completed operations hazard
- Does not affect premises/operations or personal/advertising injury coverage
- Targets liability from AI-enabled products after delivery or work completion
- Applies regardless of whether AI is owned, licensed, or embedded
Market Impact
Specifically targets the products/completed operations hazard for AI. Manufacturers and software companies embedding AI in delivered products face this exclusion at renewal. Often filed alongside CG 40 47 and CG 40 48.
Filing Status by State
| State | Filing Date | Status | Source |
|---|---|---|---|
| CO | 2025-11-15 | adopted | SERFF CO |
| CA | 2025-12-01 | adopted | SERFF CA |
| NY | 2025-12-15 | adopted | SERFF NY |
| IL | 2026-01-10 | adopted | SERFF IL |
| CT | 2026-01-20 | filed | SERFF CT |
Filing status based on carrier announcements and state DOI records. Verify filings through SERFF Filing Access.
Adopting Carrier Groups
- Arch Insurance Group
- Everest Re Group
- Various regional 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.