Coverage description
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. AI exclusions can address different types of liability, policy limits and exceptions.
Coverage classification
- Form type
- Exclusions
Compare Artificial intelligence exclusion forms
| Form | Intent | Coverage context | Notable terms |
|---|---|---|---|
Liberty Insurance CorporationGenerative Artificial Intelligence Exclusion LCU 21260 08 26 Commercial Umbrella and Excess | Excludes liability arising out of generative artificial intelligence. | Commercial umbrella and excess liability. | Defines generative AI as a machine-based system or model trained on internal or external data to create content. |
Allianz Global Risks US Insurance CompanyGenerative Artificial Intelligence Exclusion and Non-Recognition of Erosion of Underlying Limits (Limited) Endorsement AGRL XS MXL 3001 07 26 Commercial Umbrella and Excess | Excludes liability and loss involving or related to generative artificial intelligence. | Excess liability, subject to policy terms. | Does not recognize erosion of underlying limits by payments for damages excluded or limited by this endorsement. |
The Cincinnati Insurance CompanyArtificial Intelligence Exclusion ML 3019 05 25 Directors and Officers / Educators Legal Liability | Excludes specified claims involving the insured’s AI activities and disclosures. | Directors and officers and educators legal liability. | Exceptions for certain derivative or securityholder proceedings and claims solely under Insuring Agreement A. |
State Farm Fire and Casualty CompanyExclusion - Generative Artificial Intelligence CMP-4358 Products and Completed Operations Liability | Excludes bodily injury or property damage arising out of generative AI. | Products and completed operations liability. | Defines generative AI as a data-trained system or model that can create content or responses. |
Notable clauses
“Any liability arising out of generative artificial intelligence.”
Liberty Insurance Corporation · Generative Artificial Intelligence Exclusion · LCU 21260 08 26
Liability. The exclusion connects liability to generative artificial intelligence.
“shall not recognize the reduction or exhaustion of the Underlying Limits”
Allianz Global Risks US Insurance Company · Generative Artificial Intelligence Exclusion and Non-Recognition of Erosion of Underlying Limits (Limited) Endorsement · AGRL XS MXL 3001 07 26
Underlying limits. When underlying coverage pays damages excluded or limited by this endorsement, the excess policy treats those payments as not eroding underlying limits.
“Representations, warranties, promises or agreements made by a chatbot or virtual assistant”
The Cincinnati Insurance Company · Artificial Intelligence Exclusion · ML 3019 05 25
Chatbot representations. The form includes these representations among the AI activities addressed by the exclusion, subject to its exceptions.
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