AI Liability Insurance Buyer's Guide

AI Exclusion Tracker

Last updated 2026-10-01

By Joel Singh · Update cadence: Monthly scan, quarterly full re-verification against source URLs, ad hoc updates on new filings.

Who is excluding AI from US commercial insurance, on which forms, effective when, and what each exclusion means in plain English. Every row links to its source. The underlying dataset is published at /data/exclusions.json.

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.

CG 40 47

Verisk / ISO (industry standard forms)

ISO standard form checked 2026-10-01
Effective
2026-01-01
Filing status
Rolled out as an ISO standard endorsement; adoption varies by carrier and state
Scope
Commercial General Liability (CGL): excludes bodily injury, property damage, and personal and advertising injury arising from generative AI

What it means in 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.

Sources

CG 35 08

Verisk / ISO (industry standard forms)

ISO standard form checked 2026-10-01
Effective
2026-01-01
Filing status
Rolled out as an ISO standard endorsement; adoption varies by carrier and state
Scope
Products and completed operations: excludes generative AI exposures under products/completed operations coverage

What it means in 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.

Sources

Carrier-specific endorsement (absolute AI exclusion)

WR Berkley

Absolute exclusion checked 2026-10-01
Effective
Appearing on renewals; confirm the effective date on your own policy
Filing status
Filed and in market per coverage-law analysis
Scope
D&O, E&O, and fiduciary lines: excludes claims arising from any actual or alleged use, deployment, or development of Artificial Intelligence

What it means in 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.

Sources

Carrier-specific AI exclusion filings (form numbers not yet published in cited source)

Chubb

Carrier filing checked 2026-09-13
Effective
Rolling; confirm per policy and state
Filing status
Sought state regulatory approval to exclude AI-related damages from general liability (independent trade press, May 2026); no Chubb form number or carrier statement published as of 2026-09-04
Scope
Carrier AI exclusion filing on general liability, sought from state regulators

What it means in plain English

Independent trade press confirms Chubb sought regulatory approval to exclude AI-related damages from general liability policies, alongside Travelers and Berkshire Hathaway. No Chubb endorsement title or form number has been published. If Chubb is on your program, ask your broker which AI endorsements have been filed and approved in your state and whether they will attach at your renewal.

Sources

Various carrier-specific endorsements (WR Berkley absolute AI exclusion, three filed versions; others not yet published)

Multiple major carriers (industry aggregate; four carriers independently corroborated: WR Berkley, Chubb, Travelers, Berkshire Hathaway)

Carrier filing checked 2026-10-01
Effective
Rolling through 2026 renewals
Filing status
Four carriers corroborated by independent trade press and law-firm alerts as of 2026-09-04; further carriers (Cincinnati Financial, Frederick Mutual, Philadelphia Insurance, others) reported behind paywalls and not independently confirmed
Scope
Carrier-specific AI exclusions across commercial lines, beyond the ISO standard forms

What it means in plain English

The exclusion wave is not limited to the ISO standard forms. Four major carriers are independently corroborated as filing or seeking approval for their own AI exclusion wordings: WR Berkley (absolute exclusion on D&O, E&O and fiduciary), and Chubb, Travelers and Berkshire Hathaway (general liability). More carriers are reported but not yet confirmed by a source this tracker can cite. Ask your broker whether your carrier has filed an AI endorsement in your state; this tracker names carriers and form numbers as each filing is verified.

Sources

Manuscript (non-standard) AI exclusions at renewal

Lawyers professional liability carriers (various)

Carrier filing checked 2026-10-01
Effective
Rolling; observed on current renewals
Filing status
Manuscript endorsements (negotiated per policy, not standard filed forms)
Scope
Lawyers professional liability: manuscript AI exclusions, AI-specific underwriter questions, and governance-document requests appearing at renewal

What it means in 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.

Sources

What to do if this hits your renewal

  1. Read the endorsement, not the summary. Ask your broker for the exact form numbers attached to your renewal and compare them against this tracker.
  2. Map your AI exposure. List where your business actually uses AI: marketing content, customer-facing chat, decision support, products. That list decides whether an exclusion is cosmetic or existential for you.
  3. Ask about buy-back and alternatives. Some carriers offer affirmative AI endorsements or standalone products that restore what the exclusion removes. The carrier comparison table lists the products that respond.
  4. Get your documentation in order before you shop. Underwriters condition terms on AI governance evidence: model inventories, usage policies, oversight records, bias testing. Organizations that can produce this documentation get coverage on workable terms; those that cannot face exclusions, sublimits, or premium increases.

Need help getting coverage-ready? iSL Advisory runs a Coverage-Readiness Audit: the underwriter documentation set, assembled and evidence-backed. Start with the coverage-readiness checklist or talk to the practice directly.

Talk to iSL Advisory

Changelog

Every change to this tracker is dated and described. See the editorial policy for the verification method.

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