Verisk CG 40 47 — AI Exclusion Analysis

Endorsement Overview

CG-40-47 — EXCLUSION

Artificial Intelligence And Generative Artificial Intelligence Exclusion

Excludes bodily injury, property damage, and personal/advertising injury arising out of generative AI content, output, or interaction.

Applies to: CGL Nationwide available

Key Provisions

Excludes BI and PD arising from AI-generated content or output
Excludes personal/advertising injury from AI use
Applies regardless of whether AI is owned, licensed, or embedded

Market Impact

This is the most significant market-wide change. Because it's a standard Verisk form, any Verisk client carrier can adopt it with a single filing. Surplus lines carriers can implement it immediately without state approval.

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

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.