CG 35 08: The ISO Products and Completed Operations AI Exclusion

By Joel R. Singh · Last verified: 2026-07-06 · How we verify

What does CG 35 08 exclude?

CG 35 08 is the products and completed operations counterpart to CG 40 47 within the Verisk/ISO generative AI exclusion family. Commercial general liability policies contain two main coverage parts: premises and operations (covering harm that happens while work is ongoing), and products and completed operations (covering harm that arises after a product is delivered or a job is finished). CG 40 47 targets the first part; CG 35 08 targets the second. The endorsement removes bodily injury and property damage claims that arise from generative AI under the products and completed operations part of the policy. A software firm that ships an AI application, a marketing agency that delivers AI-written content, or a business that builds AI components into a physical device are all in scope for the CG 35 08 exclusion if their CGL carrier has adopted it. Effective date: January 1, 2026. Source: Independent Agent, verified 2026-07-04.

Who does CG 35 08 apply to?

CG 35 08 applies to businesses whose CGL carrier has adopted the endorsement and whose operations include shipping products or delivering completed services that incorporate generative AI. The risk is highest for technology companies whose products use generative AI features, consultancies and agencies delivering AI-generated work product as a finished deliverable, manufacturers embedding AI decision-making in physical goods, and any business whose products liability exposure includes AI-sourced content or decisions. A business providing purely internal AI tools that never leave the organization as a product or completed service is not covered by this specific endorsement, but may still be affected by CG 40 47 on the operations side. The two forms are typically deployed together by carriers that choose to exclude generative AI; buyers should verify both form numbers at renewal rather than assuming either covers the full scope.

How do I check my policy for CG 35 08?

Ask your broker for the endorsement schedule attached to your current or renewal CGL policy. CG 35 08 will appear by form number in the list if your carrier has adopted it. Verify both CG 35 08 and CG 40 47, since carriers that adopt one ISO AI exclusion form commonly adopt both. If you find CG 35 08, request the full text of the endorsement and read it alongside the products and completed operations section of your base policy. Pay attention to the definition of "generative AI" in the endorsement language, since the scope of the exclusion depends on that definition. Some endorsements define it broadly enough to include AI assistance tools used during the production of a deliverable, not just AI-generated final outputs; verify which interpretation applies to your policy before assuming the exclusion is narrow.

What should I ask my broker?

Start by asking whether both CG 35 08 and CG 40 47 are on your renewal. If CG 35 08 is present, ask your broker to walk through which products or completed services in your specific business are affected. Ask whether your carrier offers an affirmative AI products endorsement to restore coverage, and at what premium impact. If no buy-back is available, ask your broker about standalone AI liability products; the carrier comparison table on this site tracks every verified US product. Also ask how the endorsement defines "generative AI" on your specific policy form, since a broad definition could affect coverage for work product produced with AI assistance even where AI is not the core product feature. Finally, ask whether your current tech errors and omissions or cyber policy has any affirmative AI language that would respond where the CGL now has a gap.

How does CG 35 08 relate to CG 40 47?

CG 40 47 and CG 35 08 are issued together by Verisk as two halves of the same AI exclusion strategy. CG 40 47 covers ongoing operations: harm caused by AI while your business is actively at work. CG 35 08 covers the after-the-fact exposure: harm caused by an AI-enabled product or completed service after it has been delivered. Carriers that adopt the ISO standard AI exclusion framework typically attach both, which together remove generative AI from the full lifecycle of CGL coverage. A business that only checks for one form may believe it is partially covered when both forms have been attached. Always request the complete endorsement schedule and check for both form numbers. The AI Exclusion Tracker on this site maintains a verified record of both forms and of carrier-specific exclusion filings that go beyond the ISO standard.

Last verified: 2026-07-06. Source links checked on that date. Report an error.