Verisk CG 40 47 01 26 — AI Exclusion Analysis
Endorsement Overview
Exclusion – Generative Artificial Intelligence
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).
Key Provisions
- Excludes BI and PD (Coverage A) and personal/advertising injury (Coverage B) arising from generative AI
- Companion form CG 40 48 limits the exclusion to Coverage B only
- Companion form CG 35 08 applies the exclusion to products/completed operations
- 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
Operational response
Exclusions like this reward documented controls. Where AI touches insured work, Gridex operates it with the governance underwriters look for.