Does Verisk CG 40 47 apply to my CGL 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.

What does Berkley PC 51380 exclude?

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.

How do I know if my policy has an AI exclusion endorsement?

Check your policy's endorsement schedule or declarations page for forms CG 40 47 (Verisk/CGL), PC 51380 (Berkley/Professional), or similar AI-specific endorsements. Your broker can run an endorsement audit across all your policies.

AI compliance answer

What is Verisk CG 40 47?

Freshness: Last verified: March 24, 2026
Coverage: Insurance and carrier analysis
Jurisdictions: General guidance
Referenced records: 1

Direct answer

Verisk CG 40 47 is a standardized commercial general liability (CGL) endorsement titled "Exclusion – Generative Artificial Intelligence." When attached to a policy, it removes coverage for bodily injury, property damage, and personal or advertising injury that arises out of generative AI content, output, or interaction. It applies whether the AI is owned, licensed, or embedded in another product.

Verisk CG 40 47 is a CGL policy endorsement that excludes coverage for bodily injury, property damage, or personal/advertising injury arising out of AI systems.

Sources checked

Independent Agent — Verisk to roll out new GL exclusions for generative AI last checked 2026-05-31
PropertyCasualty360 — General liability endorsements: generative AI last checked 2026-05-31
Verisk Emerging Issues — ISO General Liability multistate filing last checked 2026-05-31

Scope

General business and insurance-risk analysis, not legal advice. It does not change your legal liability for AI-related harm; it only governs whether your insurer will defend or indemnify such a claim, and it affects commercial general liability (CGL) coverage specifically. It is a full exclusion of generative-AI-related bodily injury, property damage, and personal/advertising injury, excluding claims 'arising out of' generative AI content, output, or interaction, whether the AI is owned, licensed, or embedded. Filed as a standard Verisk/ISO form; adopted in CO, CA, NY, and IL and filed in CT as of the last verified date. Confirm specifics with your broker.

Operational implication

If your CGL carrier attaches CG 40 47, AI-related general liability claims may fall outside coverage. The practical exposure depends on how your organization uses AI and whether those uses are documented and governed.

Carrier Endorsement Details

CG-40-47

Verisk — CG 40 47 01 26

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.