Glossary · term

ISO generative AI exclusion endorsements

ISO generative AI exclusion endorsements are three optional standardized insurance forms that a carrier may use to modify specified liability coverage. CG 40 47 applies to the ISO Commercial General Liability Coverage Part and addresses bodily injury, property damage, and personal and advertising injury arising out of generative artificial intelligence. CG 40 48 modifies only Coverage B, for personal and advertising injury. CG 35 08 applies to the Products/Completed Operations Liability Coverage Part and addresses bodily injury and property damage. They are exclusion forms, not a separate policy or affirmative AI cover, and they do not become part of every policy automatically.

Other2025-07-17Wave 3 · 2025–26Maturity: 3/5

Origin and context

Verisk reports that its ISO General Liability team filed the 2025 multistate update on 17 July 2025 as forms filing GL-2025-OFR25, with a proposed effective date of 1 January 2026. Industry reporting then described the three forms with a January 2026 edition date. Those are different facts: a filing date, a proposed program date and an `01 26` form edition do not by themselves establish approval, availability or attachment in every state or policy.

Sources: s1, s2, s7

Why it matters

The forms make a previously silent or ambiguous AI exposure explicit for the coverage part they amend. Their differences matter: CG 40 48 does not make the Coverage A change described for CG 40 47, while CG 35 08 belongs to a different coverage part. For a claim or renewal, the form number, edition, issued policy wording, other endorsements, governing law and facts all remain relevant. The family therefore has a durable information need without supporting a universal conclusion about coverage.

Sources: s2, s5, s6, s8, s9

Example

Suppose an issued policy's endorsement schedule lists CG 40 48 01 26. The identifier points to the generative-AI exclusion for Coverage B, not the broader Coverage A-and-B form and not the products/completed-operations form. That observation alone does not decide whether a particular allegation is covered or whether another policy responds; those questions require the complete contract, applicable law and claim facts.

Sources: s2, s3, s6, s9

How it differs

Silent AI exposure

`Silent-AI exposure` describes policy language that does not expressly grant or exclude AI-related exposure. An attached ISO generative-AI exclusion is explicit wording, but the form family cannot show whether a particular policy contains it. Conversely, the absence of one of these three forms does not establish affirmative coverage.

AI Agent Liability Insurance

`AI agent liability insurance` is an emerging umbrella for affirmative or specialty risk-transfer products. The ISO forms discussed here are exclusionary endorsements to specified existing liability coverage parts. Excluding one exposure and affirmatively insuring another are different contractual operations, so the labels are related but not synonyms.

Maturity and evidence

Maturity 3 reflects a real, independently documented form family: Verisk identifies the filing, form specimens establish two exact texts, and multiple insurance-industry sources consistently describe all three forms and their different scopes. It is not maturity 4 because usage is still developing. In August 2026, Insurance Journal reported rising carrier interest while noting that the number of adopters and eventual breadth of use were not yet known.

Sources: s1, s2, s3, s4, s5, s6

Limits and open questions

This entry summarizes a form family; it is not legal, insurance or financial advice and it does not determine coverage. ISO forms are copyrighted contract documents, so a glossary paraphrase is not a substitute for the complete issued wording. Filing, approval, permitted-use and effective-date treatment can differ by jurisdiction, and an insurer may elect not to use an optional form or may use different manuscript language. The legal effect of phrases such as `arising out of` depends on the policy, allegations, facts and applicable law. Publication requires specialist review and must preserve these boundaries.

Sources: s5, s6, s7, s8, s9

References

From Risk to Endorsement: Four Key Emerging Risks Shaping the Latest ISO General Liability Multistate FilingVerisk · 2025-07-25 · class A
Verisk to Roll Out New General Liability Exclusions for Generative AI ExposuresIndependent Insurance Agents & Brokers of America · 2025-10-21 · class B
CG 40 48 01 26: Exclusion – Generative Artificial Intelligence (Coverage B Only)Insurance Services Office, Inc. (specimen hosted by ALM) · 2025 · class B
CG 35 08 01 26: Exclusion – Generative Artificial IntelligenceInsurance Services Office, Inc. (specimen hosted by ALM) · 2025 · class B
Global InsurTech Report 2026 Q1Gallagher Re · 2026-05 · class B
Insurer Interest in AI Coverage Exclusions Growing as Risk Becomes OmnipresentInsurance Journal · 2026-08-17 · class B
ISO's Policy FormsInsurance Services Office, Inc. · 2019-08 · class A
ISO Introduces Generative AI Exclusion in Commercial General Liability PoliciesGallagher · 2026 · class B
The New AI Coverage Fight: Exclusions, Endorsements, and Denied ClaimsShumaker, Loop & Kendrick, LLP · 2026 · class B

Last updated: 2026-09-07

In the Skills Atlas

This term is also covered in the Skills Atlas as ai risk management skill.