{
 "@context": "https://schema.org",
 "@type": "DefinedTermSet",
 "@id": "https://targetup.com/forms#ai-exclusion-forms",
 "name": "AI exclusion policy forms (2026)",
 "url": "https://targetup.com/forms",
 "publisher": {
  "@id": "https://targetup.com/#org",
  "name": "TargetUp",
  "url": "https://targetup.com/"
 },
 "dateModified": "2026-09-24",
 "license": "Facts about public policy forms; descriptions © TargetUp. Cite with a link to the form page.",
 "disclaimer": "Reference information about insurance policy forms, compiled from public sources. Not insurance, legal, or financial advice.",
 "hasDefinedTerm": [
  {
   "@type": "DefinedTerm",
   "@id": "https://targetup.com/cg-40-47#term",
   "name": "CG 40 47",
   "termCode": "CG 40 47",
   "description": "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.",
   "url": "https://targetup.com/cg-40-47",
   "inDefinedTermSet": {
    "@id": "https://targetup.com/forms#ai-exclusion-forms"
   },
   "additionalProperty": [
    {
     "@type": "PropertyValue",
     "name": "Issuer",
     "value": "ISO (Verisk)"
    },
    {
     "@type": "PropertyValue",
     "name": "Effective",
     "value": "January 1, 2026"
    },
    {
     "@type": "PropertyValue",
     "name": "Applies to",
     "value": "Coverage A + Coverage B"
    },
    {
     "@type": "PropertyValue",
     "name": "Attach method",
     "value": "Added at renewal — optional"
    },
    {
     "@type": "PropertyValue",
     "name": "Severity",
     "value": "Broadest ISO exclusion"
    }
   ],
   "whatItDoes": "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.",
   "examples": [
    "A customer claims your AI chatbot gave harmful guidance — the bodily-injury claim it triggers may not be covered.",
    "An ad your team generated with AI allegedly infringes or defames — that’s Coverage B territory, also excluded.",
    "You don’t “use AI” officially, but an employee quietly does — the exclusion doesn’t care about your AI policy, only the claim’s connection to generative AI."
   ],
   "howToSpotIt": "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.",
   "keywords": [
    "CG 40 47",
    "generative artificial intelligence",
    "exclusion",
    "endorsement",
    "arising out of"
   ],
   "faq": [
    {
     "question": "Is CG 40 47 automatically in my policy?",
     "answer": "No. It is an optional endorsement — a carrier must attach it, typically at renewal. That is why comparing this year’s renewal against last year’s policy matters."
    },
    {
     "question": "Does CG 40 47 mean any AI-related claim is denied?",
     "answer": "Not necessarily. Courts construe exclusions narrowly, mixed AI and non-AI allegations may still trigger a defense, and an exclusion broad enough to swallow the policy can be challenged as making coverage illusory. Those are questions for a coverage attorney — step one is knowing whether the form is in your policy at all."
    },
    {
     "question": "What is the difference between CG 40 47 and CG 40 48?",
     "answer": "CG 40 47 excludes generative-AI claims under Coverage A and Coverage B. CG 40 48 is the narrow version — it applies only to Coverage B, personal and advertising injury."
    }
   ]
  },
  {
   "@type": "DefinedTerm",
   "@id": "https://targetup.com/cg-40-48#term",
   "name": "CG 40 48",
   "termCode": "CG 40 48",
   "description": "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.",
   "url": "https://targetup.com/cg-40-48",
   "inDefinedTermSet": {
    "@id": "https://targetup.com/forms#ai-exclusion-forms"
   },
   "additionalProperty": [
    {
     "@type": "PropertyValue",
     "name": "Issuer",
     "value": "ISO (Verisk)"
    },
    {
     "@type": "PropertyValue",
     "name": "Effective",
     "value": "January 1, 2026"
    },
    {
     "@type": "PropertyValue",
     "name": "Applies to",
     "value": "Coverage B only"
    },
    {
     "@type": "PropertyValue",
     "name": "Attach method",
     "value": "Added at renewal — optional"
    },
    {
     "@type": "PropertyValue",
     "name": "Severity",
     "value": "Narrower — Coverage B only"
    }
   ],
   "whatItDoes": "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.",
   "examples": [
    "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."
   ],
   "howToSpotIt": "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.",
   "keywords": [
    "CG 40 48",
    "personal and advertising injury",
    "Coverage B",
    "generative artificial intelligence",
    "exclusion"
   ],
   "faq": [
    {
     "question": "Is CG 40 48 better than CG 40 47 for me?",
     "answer": "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."
    },
    {
     "question": "Can a carrier attach both CG 40 47 and CG 40 48?",
     "answer": "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."
    },
    {
     "question": "Did I have to agree to this?",
     "answer": "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."
    }
   ]
  },
  {
   "@type": "DefinedTerm",
   "@id": "https://targetup.com/cg-35-08#term",
   "name": "CG 35 08",
   "termCode": "CG 35 08",
   "description": "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.",
   "url": "https://targetup.com/cg-35-08",
   "inDefinedTermSet": {
    "@id": "https://targetup.com/forms#ai-exclusion-forms"
   },
   "additionalProperty": [
    {
     "@type": "PropertyValue",
     "name": "Issuer",
     "value": "ISO (Verisk)"
    },
    {
     "@type": "PropertyValue",
     "name": "Effective",
     "value": "January 1, 2026"
    },
    {
     "@type": "PropertyValue",
     "name": "Applies to",
     "value": "Products / Completed Operations"
    },
    {
     "@type": "PropertyValue",
     "name": "Attach method",
     "value": "Added at renewal — optional"
    },
    {
     "@type": "PropertyValue",
     "name": "Severity",
     "value": "Products & completed operations"
    }
   ],
   "whatItDoes": "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.",
   "examples": [
    "Your product’s built-in AI assistant gives instructions that allegedly cause injury — downstream claim, excluded.",
    "AI-generated assembly documentation shipped with your product is allegedly wrong — excluded territory.",
    "A contractor’s AI-assisted design flaw shows up after job completion — the completed-operations claim can fall outside coverage."
   ],
   "howToSpotIt": "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.",
   "keywords": [
    "CG 35 08",
    "products completed operations",
    "generative artificial intelligence",
    "exclusion",
    "endorsement"
   ],
   "faq": [
    {
     "question": "Who does CG 35 08 matter most for?",
     "answer": "Businesses with downstream exposure: manufacturers, distributors, contractors, and anyone shipping products or finishing jobs that involve AI features, AI-generated documentation, or AI-assisted design."
    },
    {
     "question": "Is this the same as CG 40 47?",
     "answer": "No — different coverage part. CG 40 47 works on Coverage A and B of the CGL form; CG 35 08 targets the products/completed operations hazard specifically. A schedule can carry either, or more than one of the family."
    },
    {
     "question": "My business doesn’t “use AI.” Can I ignore this?",
     "answer": "Check whether your suppliers, design tools, or documentation workflows use it — the exclusion turns on the claim’s connection to generative AI, not on whether AI is in your org chart."
    }
   ]
  },
  {
   "@type": "DefinedTerm",
   "@id": "https://targetup.com/pc-51380#term",
   "name": "PC 51380",
   "termCode": "PC 51380",
   "description": "PC 51380 00 (06-24) — titled Artificial Intelligence Exclusion (Absolute) — is a W. R. Berkley endorsement surfacing in 2025–2026 filings. It attaches to management-liability policies (directors & officers, employment practices, fiduciary) and reaches any use, deployment, or development of AI.",
   "url": "https://targetup.com/pc-51380",
   "inDefinedTermSet": {
    "@id": "https://targetup.com/forms#ai-exclusion-forms"
   },
   "additionalProperty": [
    {
     "@type": "PropertyValue",
     "name": "Issuer",
     "value": "W. R. Berkley (carrier form)"
    },
    {
     "@type": "PropertyValue",
     "name": "Edition",
     "value": "06-24; seen in 2025–26 filings"
    },
    {
     "@type": "PropertyValue",
     "name": "Applies to",
     "value": "D&O · EPL · Fiduciary"
    },
    {
     "@type": "PropertyValue",
     "name": "Character",
     "value": "“Absolute” — broadest scope seen"
    },
    {
     "@type": "PropertyValue",
     "name": "Severity",
     "value": "Absolute — carrier form"
    }
   ],
   "whatItDoes": "Where the ISO forms carve AI out of specific CGL coverage parts, this one takes the ceiling off: “absolute” exclusions reach anything based upon, arising out of, or in any way involving AI — including decisions your leadership made about AI. Under a form like this, a shareholder suit alleging your board mismanaged AI adoption, or an employment claim involving an AI screening tool, can fall outside the management-liability tower entirely.",
   "examples": [
    "Shareholders allege the company overstated its AI capabilities — a D&O claim squarely in the exclusion’s path.",
    "A hiring-discrimination claim involves an AI resume screener — EPL coverage can be excluded.",
    "The board is accused of inadequate AI governance — the exclusion names that scenario almost verbatim."
   ],
   "howToSpotIt": "Management-liability policies list endorsements on the declarations or a schedule of forms. Look for “PC 51380” or any endorsement titled “Artificial Intelligence Exclusion” — and note the word absolute. Other carriers are filing similar forms; the wording pattern to watch is “based upon, arising out of, or in any way involving.”",
   "keywords": [
    "PC 51380",
    "artificial intelligence exclusion",
    "absolute",
    "in any way involving",
    "D&O",
    "EPL"
   ],
   "faq": [
    {
     "question": "Is PC 51380 an ISO form?",
     "answer": "No — it is a W. R. Berkley carrier form, which is part of why it can be broader than the ISO family. Carrier forms are not standardized, so wording varies form to form; read the actual endorsement text on your policy."
    },
    {
     "question": "What makes an AI exclusion “absolute”?",
     "answer": "Lead-in wording like “based upon, arising out of, or in any way involving” combined with a broad definition of AI. Read literally, language this wide can reach almost anything a modern business does — which is also why policyholder attorneys argue such readings can make coverage illusory."
    },
    {
     "question": "Does this affect my general liability policy?",
     "answer": "This particular form attaches to management-liability lines, not CGL. But the same drafting pattern is being ported across lines — the ISO CGL forms are covered on our CG 40 47, CG 40 48, and CG 35 08 pages."
    }
   ]
  }
 ]
}