{
  "dataset_name": "AI Exclusion Tracker: US Commercial Insurance",
  "dataset_version": "1.0.0",
  "published": "2026-07-04",
  "last_updated": "2026-07-04",
  "update_cadence": "Monthly scan, quarterly full re-verification against source URLs, ad hoc updates on new filings.",
  "disclaimer": "This tracker is informational only. It is not insurance advice or legal advice. Exclusion wording, filing status, and state approvals change frequently and vary by jurisdiction. Always verify the exact endorsement wording on your own policy with your carrier or a licensed broker.",
  "changelog": [
    {
      "date": "2026-07-04",
      "entry": "Initial publication. Verisk CG 40 47 and CG 35 08 plus carrier-specific filings compiled from trade press, agent association guidance, and coverage-law analysis."
    }
  ],
  "exclusions": [
    {
      "id": "verisk-cg-40-47",
      "issuer": "Verisk / ISO (industry standard forms)",
      "form_id": "CG 40 47",
      "scope": "Commercial General Liability (CGL): excludes bodily injury, property damage, and personal and advertising injury arising from generative AI",
      "effective_date": "2026-01-01",
      "filing_status": "Rolled out as an ISO standard endorsement; adoption varies by carrier and state",
      "what_it_means_plain_english": "If your CGL carrier attaches this endorsement at renewal, injuries or damages your business causes through generative AI (for example AI-written marketing content that defames someone, or an AI tool that contributes to a customer injury) are no longer covered by your general liability policy. This is the core of the 2026 exclusion wave.",
      "source_url": "https://www.independentagent.com/vu_resource/verisk-to-roll-out-new-general-liability-exclusions-for-generative-ai-exposures/",
      "additional_sources": [
        "https://toofer.com/blog/ai-exclusions-general-liability-insurance-2026/"
      ],
      "last_verified": "2026-07-04",
      "status": "verified"
    },
    {
      "id": "verisk-cg-35-08",
      "issuer": "Verisk / ISO (industry standard forms)",
      "form_id": "CG 35 08",
      "scope": "Products and completed operations: excludes generative AI exposures under products/completed operations coverage",
      "effective_date": "2026-01-01",
      "filing_status": "Rolled out as an ISO standard endorsement; adoption varies by carrier and state",
      "what_it_means_plain_english": "The products/completed operations counterpart to CG 40 47. If your product or completed work involves generative AI and it causes injury or damage after delivery, this endorsement removes that coverage. Businesses shipping AI-enabled products should check renewals for this form number.",
      "source_url": "https://www.independentagent.com/vu_resource/verisk-to-roll-out-new-general-liability-exclusions-for-generative-ai-exposures/",
      "additional_sources": [
        "https://toofer.com/blog/ai-exclusions-general-liability-insurance-2026/"
      ],
      "last_verified": "2026-07-04",
      "status": "verified"
    },
    {
      "id": "wr-berkley-absolute",
      "issuer": "WR Berkley",
      "form_id": "Carrier-specific endorsement (absolute AI exclusion)",
      "scope": "D&O, E&O, and fiduciary lines: excludes claims arising from any actual or alleged use, deployment, or development of Artificial Intelligence",
      "effective_date": "Appearing on renewals; confirm the effective date on your own policy",
      "filing_status": "Filed and in market per coverage-law analysis",
      "what_it_means_plain_english": "The broadest exclusion tracked here. The wording (any actual or alleged use, deployment, or development of Artificial Intelligence) can sweep in nearly any modern business activity. If this lands on your D&O or E&O renewal, management decisions about AI, professional services delivered with AI assistance, and AI-related shareholder claims may all be excluded. Push back through your broker or seek alternative markets.",
      "source_url": "https://www.policyholderpulse.com/ai-exclusions-insurance-policies/",
      "additional_sources": [
        "https://www.fenwick.com/insights/publications/end-silent-ai-emerging-ai-exclusions-coverage-fragmentation-and-practical-implications"
      ],
      "last_verified": "2026-07-04",
      "status": "verified"
    },
    {
      "id": "chubb-filings",
      "issuer": "Chubb",
      "form_id": "Carrier-specific AI exclusion filings (form numbers not yet published in cited source)",
      "scope": "Leading legacy-carrier AI exclusion filings across commercial lines",
      "effective_date": "Rolling; confirm per policy and state",
      "filing_status": "Filed per industry analysis; state-by-state approval in progress",
      "what_it_means_plain_english": "Chubb is reported as the legacy carrier leading AI exclusion filings, notable because Chubb also underwrites AI-driven businesses. If Chubb is on your program, ask your broker specifically which AI endorsements have been filed and approved in your state and whether they will attach at your renewal.",
      "source_url": "https://insuranceintel.substack.com/p/chubb-is-excluding-the-risk-its-own",
      "additional_sources": [],
      "last_verified": "2026-07-04",
      "status": "needs_primary_verification"
    },
    {
      "id": "industry-aggregate-filings",
      "issuer": "Multiple major carriers (industry aggregate; at least six carriers with their own AI exclusion filings)",
      "form_id": "Various carrier-specific endorsements",
      "scope": "Carrier-specific AI exclusions across commercial lines, beyond the ISO standard forms",
      "effective_date": "Rolling through 2026 renewals",
      "filing_status": "80%+ of filings approved by state regulators; fastest approvals reported in FL, CT, and MD",
      "what_it_means_plain_english": "The exclusion wave is not limited to the ISO standard forms. At least six major carriers have filed their own AI exclusion wordings, and regulators are approving them quickly. Individual carrier identification beyond WR Berkley and Chubb is pending primary-source verification of the state filings; this tracker will name carriers and form numbers as each filing is verified.",
      "source_url": "https://insuranceintel.substack.com/p/the-ai-exclusion-wave-and-the-47",
      "additional_sources": [],
      "last_verified": "2026-07-04",
      "status": "needs_primary_verification"
    },
    {
      "id": "lpl-manuscript-exclusions",
      "issuer": "Lawyers professional liability carriers (various)",
      "form_id": "Manuscript (non-standard) AI exclusions at renewal",
      "scope": "Lawyers professional liability: manuscript AI exclusions, AI-specific underwriter questions, and governance-document requests appearing at renewal",
      "effective_date": "Rolling; observed on current renewals",
      "filing_status": "Manuscript endorsements (negotiated per policy, not standard filed forms)",
      "what_it_means_plain_english": "In professional lines the exclusion wave shows up as custom wording rather than standard forms. Law firm renewals now include underwriter questions about AI use, requests for AI governance documentation, and manuscript AI exclusions. Firms that can produce governance documentation get better terms; the same pattern is expected to spread to other professional lines.",
      "source_url": "https://legalaigovernance.com/resources/ai-liability-insurance/",
      "additional_sources": [],
      "last_verified": "2026-07-04",
      "status": "verified"
    }
  ]
}