CG 35 08 applies ISO’s generative-AI exclusion to the Products/Completed Operations coverage part, effective January 1, 2026. It excludes bodily injury or property damage arising out of generative AI in connection with your products or completed work.
Products/completed-operations coverage responds after your product is out the door or your job is finished — the classic downstream claims. CG 35 08 removes that protection where generative AI is involved: a product with an AI feature, AI-generated instructions or documentation shipped with your work, AI-assisted designs that make it into the finished job.
Check the forms schedule and any separate products/completed-operations endorsement listing. Manufacturers, contractors, and anyone whose product embeds AI features should look for this one specifically.
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An exclusion on a renewal is a negotiation point, not a verdict. Get your broker’s answers in writing:
Which exact form and edition is on my renewal — and can I have a copy of its text?
What in my operations does it apply to?
Can it be removed, narrowed, or bought back — and what would that cost?
Subject: Written confirmation on the AI endorsement on our renewal Hi [Broker name], Our renewal includes endorsement CG 35 08. Before we bind, could you confirm in writing: 1. The exact form and edition attached to our policy, with a copy of the endorsement text; 2. What in our operations it applies to, with an example claim scenario; 3. Whether it can be removed, narrowed, or bought back — and at what cost; 4. Whether any market you work with offers this line without the exclusion. We want the answers on record before signing. Thanks! [Name], [Company]
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