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Insurers Exclude AI From Liability: What CG 40 47 Means for MSPs
The episode details a structural shift in the allocation of risk and liability for artificial intelligence within commercial insurance policies, driven by changes in standard policy language published by Verisk’s ISO division. Insurance carriers are now able to explicitly exclude claims related to generative AI from general liability coverage using endorsements such as CG 40 47, CG 40 48, and CG 35 08, which attach at policy renewal without formal notification. This trend is not confined to general liability but extends across trade, directors and officers, and cyber policies, with companies…
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