Is CG 40 48 better than CG 40 47 for me?

It is narrower — bodily injury and property damage coverage are unaffected. But it removes coverage precisely where generative-AI claims most often arise: advertising injury. “Better” depends on how your business uses AI; ask your broker to walk through your actual exposure.

Can a carrier attach both CG 40 47 and CG 40 48?

They would not need to — CG 40 47 already includes everything CG 40 48 excludes. If your schedule lists CG 40 47, the Coverage B exclusion is already inside it.

Did I have to agree to this?

Endorsements attached at renewal are part of the contract you accept by renewing. Notice practices vary by state and carrier — which is why the change is easy to miss and worth checking for yourself.

TargetUp › Policy forms › CG 40 48

ISO ENDORSEMENT · COMMERCIAL GENERAL LIABILITY

CG 40 48

the narrower AI exclusion — it targets personal & advertising injury.

CG 40 48 is ISO’s limited generative-AI exclusion, effective January 1, 2026. It removes coverage only under Coverage B — personal and advertising injury — for claims arising out of generative AI. Coverage A (bodily injury & property damage) is untouched by this form.

What you probably just saw in your forms schedule

CG 00 01 04 13 Commercial General Liability Coverage Form

CG 40 48 Exclusion – Generative AI (Personal And Advertising Injury)

CG 21 47 12 07 Employment-Related Practices Exclusion

Issuer

ISO (Verisk)

Effective

January 1, 2026

Applies to

Coverage B only

Attach method

Added at renewal — optional

Severity

Narrower — Coverage B only

What it does

Coverage B is where defamation, disparagement, copyright infringement in your advertisement, and use of another’s advertising idea live. Those happen to be exactly the claims generative AI most often produces — AI-written marketing copy, AI-generated images in ads, AI social posts. CG 40 48 carves that risk out while leaving bodily-injury and property-damage coverage alone, which is why some carriers pick it over the full CG 40 47.

“…personal and advertising injury arising out of generative artificial intelligence”Scope limited to the Coverage B insuring agreement

What that can mean for a business like yours

AI-generated ad imagery allegedly copies a photographer’s work — the infringement claim lands in excluded territory.
A blog post your marketing tool wrote allegedly disparages a competitor — excluded under this form.
A slip-and-fall at your premises — unaffected. This form does not touch Coverage A.

How to spot it

Same place as its bigger sibling: one new line in the forms schedule or endorsement listing. If you see CG 40 48 rather than CG 40 47, your carrier chose the narrow version — worth confirming in writing exactly which one you have.

Search your renewal PDF for:

CG 40 48personal and advertising injuryCoverage Bgenerative artificial intelligenceexclusion

Found it? It isn’t automatically the end.

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?

Copy-and-paste email for your broker

Subject: Written confirmation on the AI endorsement on our renewal

Hi [Broker name],

Our renewal includes endorsement CG 40 48. 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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