AI in insurance, checked dailyWednesday 28 October 2026
The Renewal Report
News and findings on AI in insurance. Every item with its source, its evidence and what it means for a book of business.For agencies, MGAs and carriers
The DeskMyth Vs Mechanics

AI liability is a coverage question, not a product. Read the exclusions first.

Line
Myth Vs Mechanics
Tier
Authored here
Scope
One specimen form read in full; ISO forms as summarized; no agents E&O AI exclusion found
Runs on
Facebook, LinkedIn
Reviewed
16 September 2026

The piece

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As posted

AI liability is a coverage question, not a product. Two families of AI exclusion are on the market and they do not define AI the same way. Berkley's management liability form reaches any inferring system, and a deficient AI policy. ISO's general liability forms reach generative AI only.

Neither establishes that your agents E&O excludes AI; we searched and found no such form. A specimen is not proof of what is attached to your program. Read yours.

Sources and tier: therenewalreport.com/desk/m-eo

Sources

  • Berkley PC 51380 00 (06-24) specimen; ISO CG 40 47 / 40 48 / 35 08 as summarized by Big “I” VU, 21 Oct 2025
  • Berkley Insurance Company, form PC 51380 00 (06-24), Artificial Intelligence Exclusion (Absolute) — management liability, all liability coverage parts
  • Berkley specimen, definitions; Big “I” Virtual University summary of the Verisk filing, effective Jan 2026 — ISO form text not read