Updated 2026-07-04 · Every claim source-linked and dated
AI liability insurance in the US: who covers it, who excludes it, and how to get coverage-ready.
A neutral buyer's guide for business decision-makers. No carrier sells here, no product is promoted here. Every factual cell in our datasets carries a source URL and a last-verified date.
What changed in 2026
On January 1, 2026, two new Verisk/ISO endorsements took effect: CG 40 47, which excludes bodily injury, property damage, and advertising injury arising from generative AI on commercial general liability policies, and CG 35 08, which does the same for products and completed operations. If your business uses generative AI in marketing, operations, or products, your general liability renewal may now carry an exclusion for exactly that activity.
At the same time, a small but real standalone market has emerged. Only a handful of true standalone AI liability products exist worldwide as of mid-2026, all surplus lines, Lloyd's or Munich Re backed. Everything else is an endorsement on cyber or tech E&O policies. This guide tracks both sides: the products you can buy, and the exclusions arriving on your renewal.
The exclusion wave
The exclusion wave goes beyond the standard ISO forms. At least six major carriers have filed their own AI exclusions, with over 80 percent of filings approved by state regulators, and WR Berkley has introduced an absolute AI exclusion on D&O, E&O, and fiduciary lines covering "any actual or alleged use, deployment, or development of Artificial Intelligence". Our AI Exclusion Tracker follows each filing with source links and plain-English explanations.
The governance connection
Underwriters increasingly condition coverage and pricing on your AI governance posture: model inventories, documented human oversight, bias testing records, and incident response plans. Organizations that can produce this documentation receive coverage on workable terms. Those that cannot face exclusions, sublimits, or premium increases. Our coverage-readiness checklist walks through the documentation set underwriters ask for.
Start with the four cornerstones
Carrier Comparison Table
Every US AI liability product we track: standalone policies, performance guarantees, DIC wraps, and endorsements. Sortable, with a source link and last-verified date on every cell.
View the table →AI Exclusion Tracker
Verisk CG 40 47 and CG 35 08, carrier-specific filings, and what each one means in plain English. Updated on a stated cadence with a visible changelog.
Track the exclusions →Does E&O Cover AI?
What standard E&O and general liability covered before, what the 2026 exclusions remove, and a decision framework for closing the gap.
Read the explainer →Coverage-Readiness Checklist
The underwriter documentation set: AI inventory, acceptable use policy, governance framework, bias testing records, and more. Get ready before renewal.
Get coverage-ready →How this guide works
- Per-cell sourcing. Every factual claim in our datasets links to its source and carries a last-verified date. Where a carrier has not disclosed a detail, we say "Not disclosed / verify with carrier" instead of guessing.
- Visible changelogs. The comparison table and exclusion tracker each publish a changelog. Capacity figures in this market changed three times in six weeks; freshness is the whole point.
- Quarterly re-verification. Every cell is re-checked against its source at least quarterly, with ad hoc updates on launches and filings. See the editorial policy.
- Neutrality. This site sells no insurance and takes no commissions on policies. Review and governance methodology comes from iSL Advisory.