Verisk AI Exclusions Active Since January 2026

Your Business Insurance
Already Excludes AI

92% of small businesses use AI. Only 28% have the governance documentation to keep their coverage intact. Get yours in 15 minutes.

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Verisk CG 40 47

Endorsement Framework

NIST AI RMF

Framework Aligned

Colorado AI Act

June 2026 Ready

EU AI Act Art. 50

Aug 2026 Ready

The Problem

The AI Insurance Cliff Is Here

Three things happening right now that affect your coverage

ACTIVE NOW

Insurers Are Excluding AI

Verisk endorsements CG 40 47, CG 40 48, CG 35 08 let carriers exclude generative AI from GL policies. AIG, WR Berkley, Hamilton are already implementing them.

92% EXPOSED

Your Team Uses AI Daily

ChatGPT, Copilot, Grammarly, Jasper — if anyone uses AI tools, your policy may no longer cover AI-related incidents. Most businesses don't realize this.

HIDDEN RISK

You Won't Know Until Renewal

Most business owners discover the gap at renewal — when they either pay dramatically more or lose coverage entirely. By then, it's too late.

How It Works

Insurance-Ready in 15 Minutes

Four steps to protect your business coverage

01

Check Your Risk

FREE

Take our free 5-question AI Gap Check. In 60 seconds, know if your current policy is at risk.

02

Document Your AI Usage

$29

Build your AI Tool Registry — every tool your team uses, data flows, and who's responsible.

03

Generate Governance Docs

INCLUDED

Auto-generate your Acceptable Use Policy, Employee Acknowledgments, and Incident Response Plan.

04

Present to Your Broker

INCLUDED

Download a professional Renewal-Ready Report. Keep your coverage. Save thousands.

Free Assessment

AI Insurance Risk Check

5 questions · 60 seconds · Instant results

IndustryTeam SizeAI ToolsInsuranceRenewal

What type of business are you?

Pricing

Less Than One Hour With a Consultant

Compliance consultants charge $200+/hour. A full AI governance setup runs $15K-$35K. We do it for a one-time fee.

Free Assessment

$0

Risk assessment only

  • 5-question risk assessment
  • Instant risk score
  • Personalized risk factors
  • AI Tool Registry
  • Governance documents
  • Renewal-Ready Report
Start Free Assessment
Most Popular

AI Governance Kit

$29one-time

Pay once. Yours forever.

  • Everything in Free
  • AI Tool Registry (unlimited)
  • AI Acceptable Use Policy
  • Employee Acknowledgment Forms
  • Risk Assessment per tool
  • Incident Response Plan
  • Insurance Renewal-Ready PDF
Get AI Governance Kit — $29

FAQ

Common Questions

What exactly is an AI insurance exclusion?+
Since January 2026, insurance companies have been adding endorsements to general liability policies that exclude coverage for AI-related incidents. If your business uses ChatGPT, Copilot, or any AI tool and something goes wrong, your insurance likely won't cover it. This is happening right now.
Does my business really need this?+
If anyone on your team uses AI tools — even just ChatGPT or Grammarly — and you have general liability, professional liability, or D&O insurance, you should check. 92% of small businesses now use AI, but most don't know their coverage has changed.
How is this different from Vanta or Sprinto?+
Vanta and Sprinto focus on SOC 2, HIPAA, and ISO 27001 compliance for tech companies. CoverMyAI focuses specifically on AI insurance readiness — helping you keep your insurance coverage intact. Different problem, different solution. And they cost $3,000+/year.
Can't my lawyer handle this?+
Absolutely. Most compliance consultants charge $200+/hour, and a full AI governance setup runs $15,000-$35,000. CoverMyAI gives you the same core documentation for a one-time $29 fee.
Is this a subscription?+
No. $29 one-time purchase. You get all governance documents, your AI tool registry, and your Renewal-Ready Report. Pay once, keep everything forever.

Your Next Renewal Could Be the
Most Expensive One Yet

Or you could spend 15 minutes getting your AI governance in order.

Check Your AI Insurance Risk — Free