Artificial intelligence exclusion in admitted P&C products

Coverage intent

An artificial intelligence exclusion limits coverage for claims or loss involving artificial intelligence systems, generative artificial intelligence tools, automated decisions, model output, or related technology exposures.

Coverage impact

Artificial intelligence exclusions show how carriers are drawing boundaries around emerging technology risk across cyber, technology E&O, professional liability, media, and general liability products.

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Sample form language

A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.

The following exclusion is added to SECTION V - EXCLUSIONS:

Generative Artificial Intelligence

Any liability arising out of generative artificial intelligence.

For the purposes of this endorsement, the following definition is added:

Generative artificial intelligence means a machine-based learning system or model that is trained on internal or external data with the ability to create content or responses, including but not limited to text, images, audio, video, or code.

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