ISO's generative AI exclusion is already on 2,369 CGL filings

Verisk's ISO endorsement CG 40 47 01 26, filed since January, excludes bodily injury and property damage claims arising from generative AI.

ISO endorsement CG 40 47 01 26 has been available for attachment to commercial general liability policies since January, excluding bodily injury, property damage, and personal and advertising injury arising from generative AI. A review of state filings found 2,369 records of the exclusion, or the narrower variants CG 40 48 and CG 35 08, in force across 49 states as of mid-2026.

The source's own statement, as linked above. Nothing beyond it has been independently checked by us.

The filing count is not independently verified here and the review's methodology is not disclosed. A specimen exclusion is not proof of what is attached to any specific account.

Commercial accounts using generative AI in operations may have a CGL gap for AI-driven bodily injury or property damage claims. Agencies should check schedules for CG 40 47, CG 40 48 or CG 35 08 before renewal, not after a claim.

• Pull the forms schedule on commercial accounts that use generative AI and look for CG 40 47, CG 40 48 or CG 35 08.
• Ask the carrier whether a manuscript buyback exists if the exclusion is attached.

AIUC raises $40M to build audits and insurance for AI systems