Insurers are moving in two directions at once. ISO's generative AI exclusions for general liability took effect in January 2026, and trade press counts thousands of state filings adopting AI exclusions. At the same time, we have logged 20 moves to add affirmative AI cover since March 2024.
Count by Trades Coverage of state filings through 31 July 2026, across 49 states and DC, peaking at 413 in February 2026. Reported by Insurance Business and Beinsure on 25 Aug 2026. Trades Coverage is a licensed insurance producer. Filings show adoptions, not policies sold, and non-admitted markets are not counted.
Optional Verisk forms with a January 2026 edition date. Each carrier decides whether to attach them, so ask at renewal. The summaries below are ours, not the form wording.
Applies to
Commercial general liability coverage part, occurrence and claims-made
What it removes, in our words
Removes Coverage A and Coverage B for bodily injury, property damage, and personal and advertising injury arising out of generative AI.
Applies to
Commercial general liability coverage part, occurrence and claims-made
What it removes, in our words
Removes only Coverage B: personal and advertising injury arising out of generative AI.
Applies to
Products/completed operations liability coverage part
What it removes, in our words
Removes Section I cover for bodily injury and property damage arising out of generative AI.
Companies whose AI move on the register is an exclusion. Most entries come from trade press; each links to its sources.
Each logged move counted against the lines of cover it names. Cover is being added fastest in cyber and tech E&O; exclusions sit in general liability, products and management liability.
One move can name several lines. Standalone AI policies sit outside existing lines and are not counted here. Counts are logged moves, not market share.
Newest first. The full tracker log also covers new AI cover and market moves.
Trades Coverage counted 4,078 filed adoptions of generative AI exclusion forms in admitted markets across 49 states and DC through 31 July 2026, 2,369 of them in force, with a peak of 413 filings in February 2026. Filings show adoptions, not policies sold, and non-admitted markets are not counted.
Lines: General liability, Umbrella and excess, Package, Businessowners, E&OInsurance Business says Chubb, Travelers, W. R. Berkley, Berkshire Hathaway and AIG had each filed to adopt ISO's generative AI exclusions or their own versions by April 2026. It gives no states, filing numbers or edition dates.
Lines: General liability, Products-completed operationsBeinsure says Chubb has agreed to cover certain AI incidents while excluding any that could cause damage on a wide scale at the same time. No product, policy line or limit is named.
Beinsure reports that regulators approved the filings it reviewed: National Union (AIG) in Idaho and Illinois, Berkley Insurance in Connecticut and Great American in Washington. Illinois regulators asked what real-world scenario the exclusion targeted. No approval dates or form numbers are given.
Lines: Program liability, Management liability, Crime, Umbrella and excessThree optional endorsements, CG 40 47, CG 40 48 and CG 35 08, let carriers exclude generative AI from general liability and products-completed operations cover.
Lines: CGL, Products-completed operationsThe Financial Times reported that insurers asked US regulators to let them exclude AI-related liabilities from corporate policies. Beinsure's account names AIG, Great American and W. R. Berkley; TechCrunch's names Chubb in place of AIG. AIG says it has no current plans to use the exclusions.
Lines: Corporate liabilityCoverage counsel described a Berkley exclusion for D&O, E&O and fiduciary policies that removes claims tied to any use, deployment or development of AI. A 2026 trade-press account adds failures to flag third-party AI content and breaches of AI-related duties. No form number or filing date is public.
Lines: D&O, E&O, FiduciaryAn AI exclusion is wording, usually an endorsement, that removes claims arising from artificial intelligence from a policy. Some remove only generative AI or only one coverage part; broad ones reach any use or development of AI.
CG 40 47 removes general liability cover for bodily injury, property damage and personal and advertising injury arising out of generative AI. CG 40 48 removes only the personal and advertising injury part. CG 35 08 does the same for products and completed operations. They are optional; each insurer decides whether to attach them.
Trade press names AIG, W. R. Berkley, Great American, Chubb and Travelers among carriers that have filed or adopted AI exclusions, and a count by Trades Coverage found 4,078 filed adoptions in US admitted markets through 31 July 2026. Filing an exclusion does not mean it is attached to every policy.
Check the forms schedule on your declarations page for an AI or generative AI exclusion, including the ISO form numbers above, and ask your broker at renewal. Our coverage checker lists what to look for in each policy.
