CG 40 47 (Exclusion — Generative Artificial Intelligence) is an optional ISO endorsement, effective January 1, 2026. Attached at renewal, it excludes coverage under both Coverage A (bodily injury & property damage) and Coverage B (personal & advertising injury) for claims arising out of generative AI.
This is the full version of ISO’s three 2026 AI endorsements. When a carrier attaches it, claims connected to generative AI — a chatbot’s answer, AI-drafted content, AI-assisted work product — can fall outside the policy entirely, on both major coverage parts. Because “arising out of” is historically read broadly in insurance policies, the practical reach can be wider than owners expect.
Look at the forms schedule (often titled “Forms and Endorsements” or listed on the declarations pages). The exclusion arrives as one new line — the renewal otherwise looks identical to last year.
Search your renewal PDF for:
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 40 47. 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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