By The Restoration HQ desk · · filed under Tech & AI
Insurers are now excluding AI from your own liability coverage
The market is ending "silent AI" coverage. ISO issued three generative-AI exclusions for commercial general liability in Jan 2026 (CG 40 47, CG 40 48, CG 35 08); Chubb, Travelers, and Berkshire got explicit AI exclusions approved on GL/D&O/E&O (regulators approved 80%+ of requests), and Berkley filed an absolute AI exclusion. Coverage is fragmenting across GL, cyber, Tech E&O, and D&O.
FORRead your next GL/E&O renewal for AI language before you lean your whole scope process on a model, knowing the exclusion is how you keep the coverage.
AGAINSTCarriers pushing AI tools into the industry while excluding AI from your liability policy is having it both ways, the risk rolls downhill to the contractor.
Consensus vs. contrarianContrarian nobody's saying: the AI-estimating land grab and the AI-exclusion wave are the same story. Vendors get the upside; you get the uninsured downside unless you keep a human in the loop and documented.
Sources Claims Journal, www.claimsjournal.com/news/national/2026/07/… (insurer interest in AI exclusions growing); ISO exclusions analysis, www.fenwick.com/insights/publications/end-si…