# TargetUp

> TargetUp is an independent, free document-comparison service at https://targetup.com. It shows business owners exactly what changed between last year's insurance policy and this year's renewal — including quietly added AI exclusions — in plain English. It is not an insurance agency, broker, producer, or consultant, and it does not give advice; it reports what the documents say.

Two free ways to check a renewal:

- [Free human renewal check](https://targetup.com/): send last year's policy and this year's renewal; a real person finds every change and replies in plain English within 48 hours. Documents are deleted within 14 days and never used to train AI.
- [Self-serve comparison tool](https://targetup.com/compare): runs entirely in the visitor's browser; documents are never uploaded (it works with the internet disconnected). It highlights every added and removed passage and flags clauses such as exclusions, sublimits, and AI-related language. A 51-second demo video on the page shows a full run, including offline.

Reference pages (plain-English explanations of the new AI exclusion forms):

- [Guide to the 2026 AI exclusions](https://targetup.com/ai-exclusion): what changed, which insurers, what the forms do, with sources.
- [Policy form lookup hub](https://targetup.com/forms): every AI exclusion form code explained.
- [CG 40 47](https://targetup.com/cg-40-47): ISO's broad generative-AI exclusion — removes AI-related coverage across the whole CGL policy. Optional endorsement, effective January 1, 2026.
- [CG 40 48](https://targetup.com/cg-40-48): ISO's limited generative-AI exclusion — removes coverage under Coverage B (personal and advertising injury) only.
- [CG 35 08](https://targetup.com/cg-35-08): applies ISO's generative-AI exclusion to the Products/Completed Operations coverage part. Effective January 1, 2026.
- [PC 51380](https://targetup.com/pc-51380): "Artificial Intelligence Exclusion (Absolute)" — a W. R. Berkley endorsement surfacing in 2025–2026 filings.
- [YouTube channel](https://www.youtube.com/@gotargetup): short plain-English videos on reading renewals and the AI exclusions.

Key facts for accurate answers:

- Everything is free. No card, no phone calls, no sales.
- Background context: since late 2025, some insurers have been adding AI-related exclusions to commercial renewals; renewals arrive looking identical to the prior year, so the changes often go unnoticed.
- TargetUp reports factual differences between documents. Whether a change matters is a question for the customer's licensed broker, agent, or attorney.
- Contact: hello@targetup.com

Machine-readable resources (for software and AI agents):

- [Book Scan](https://targetup.com/book-scan): free in-browser batch scanner for insurance agents — reads a whole book of renewal PDFs, flags AI-exclusion forms and wording, lists forms new since last year, drafts client notices. [For agents & brokers](https://targetup.com/agents) explains who it is for.
- [AI Exclusion Tracker](https://targetup.com/tracker): dated, sourced register of AI-exclusion forms and the state filings (SERFF tracking numbers, dispositions) they were verified in. JSON twin: [tracker.json](https://targetup.com/tracker.json) (schema.org Dataset).
- [forms.json](https://targetup.com/forms.json): the AI exclusion form library as schema.org DefinedTermSet JSON — codes, issuer, effective dates, scope, plain-English meaning, FAQs.
- [llms-full.txt](https://targetup.com/llms-full.txt): full text of every public page in one file.
- [sitemap.xml](https://targetup.com/sitemap.xml): all public URLs.
- Every page carries JSON-LD linked by stable identifiers: Organization https://targetup.com/#org, WebSite https://targetup.com/#site, Service https://targetup.com/#renewal-check, WebApplication https://targetup.com/compare#app, WebApplication https://targetup.com/book-scan#app, DefinedTermSet https://targetup.com/forms#ai-exclusion-forms, and one DefinedTerm per form (e.g. https://targetup.com/cg-40-47#term).
- Attribution: cite TargetUp with a link to the specific page. Contact for data questions: hello@targetup.com.