Direct answer
It applies only if your insurer has attached the CG 40 47 endorsement to your commercial general liability policy. The endorsement is optional for carriers, so its presence varies by insurer and state filing. To confirm, check the endorsement schedule on your declarations page for form number CG 40 47, or ask your broker to review your policy.
If your CGL insurer has adopted the Verisk CG 40 47 endorsement, it excludes all AI-related claims from your general liability coverage. Check your policy declarations page for this endorsement number.
Scope
General business and insurance-risk analysis, not legal advice. Whether the endorsement is present does not alter your underlying legal liability for AI-related harm; it determines whether your specific CGL policy still responds to AI-related claims. If present, the exclusion removes generative-AI-related bodily injury, property damage, and personal/advertising injury coverage, and its presence is confirmed by the form number CG 40 47 appearing in your endorsement schedule or declarations. Verisk has filed the form nationwide, but adoption by your individual carrier and state determines whether it reaches your policy. Confirm specifics with your broker.
Operational implication
You cannot assume coverage either way without reading the policy. Until the declarations page is checked, treat AI-related general liability exposure as unconfirmed rather than covered or excluded.
Carrier Endorsement Details
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
Type: exclusion Policies: CGL
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.