Verisk CG 40 48 — AI Exclusion Analysis
Endorsement Overview
CG-40-48 — EXCLUSION
Exclusion – Generative Artificial Intelligence (Coverage B Only)
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.
Key Provisions
- Excludes personal/advertising injury (Coverage B) from AI use
- Does not exclude bodily injury or property damage (Coverage A)
- Narrower than CG 40 47 — Coverage B exclusion only
- Applies regardless of whether AI is owned, licensed, or embedded
Market Impact
A narrower alternative to CG 40 47 that preserves Coverage A (BI/PD) while excluding AI-related personal and advertising injury claims. Carriers may attach this instead of or alongside CG 40 47 depending on risk appetite.
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.