AI compliance answer
Direct answer
W.R. Berkley PC 51380 is an absolute AI exclusion for professional and management liability lines — Directors & Officers (D&O), Errors & Omissions (E&O), and Fiduciary. Where attached, it removes coverage for any claim "based upon, arising out of, or attributable to" AI use, covering owned, licensed, and third-party systems with no carve-back for incidental AI use.
Berkley PC 51380 is an absolute AI exclusion for professional and management liability (D&O, E&O, Fiduciary) that eliminates coverage for any claim based upon, arising out of, or attributable to AI use.
General business and insurance-risk analysis, not legal advice. It does not change directors', officers', or professionals' underlying duties; it changes whether the policy defends those claims. It affects professional and management liability — D&O, E&O, and Fiduciary — not general liability, and is an absolute exclusion with no carve-back for incidental AI use, using broad 'based upon, arising out of, or attributable to' AI language covering owned, licensed, and third-party systems. Filed in CO, CA, and NY and pending in IL and CT as of the last verified date; confirm specifics with your broker and the filed form.
For professional services firms, this form can reach board decisions and client deliverables where AI played a role. Because it is absolute, documenting how AI is and is not used in those areas matters more than for narrower forms.
Absolute AI exclusion for D&O, E&O, and Fiduciary Liability — eliminates coverage for any claim "based upon, arising out of, or attributable to" AI use.