Verisk AI Exclusions Active Since January 2026

Your Business Insurance Is About to Exclude AI

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

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The AI Insurance Cliff Is Here

Three things happening RIGHT NOW that affect your coverage

1

Insurers Are Excluding AI

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

2

Your Team Uses AI Daily

ChatGPT, Copilot, Grammarly, Jasper, Midjourney — if anyone on your team uses AI tools, your policy may no longer cover AI-related incidents. And 92% of small businesses use AI.

3

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 to prepare governance documentation.

AI Insurance Readiness in 15 Minutes

Four steps to protect your business coverage

1

Check Your Risk

FREE

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

2

Document Your AI Usage

$29

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

3

Generate Governance Docs

INCLUDED

Auto-generate your AI Acceptable Use Policy, Employee Acknowledgment forms, and Risk Assessment — customized to YOUR business.

4

Present to Your Broker

INCLUDED

Download a professional Renewal-Ready Report to present to your insurance broker. Keep your coverage. Save thousands.

Free AI Insurance Risk Check

5 questions. 60 seconds. Instant results.

What type of business are you?

Cheaper Than One Hour With a Compliance Consultant

Most compliance consultants charge $200+/hour. A full AI governance setup runs $15,000-$35,000. CoverMyAI gives you the same core documentation for a one-time fee.

AI Gap Check

Free
  • ✓ 5-question risk assessment
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  • ✓ Personalized risk factors
  • ✕ AI Tool Registry
  • ✕ Governance documents
  • ✕ Renewal-Ready Report
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Full AI Governance Kit

$29one-time

Pay once, yours forever. No subscription.

  • ✓ Everything in Free
  • ✓ AI Tool Registry (unlimited tools)
  • ✓ AI Acceptable Use Policy
  • ✓ Employee Acknowledgment Forms
  • ✓ Risk Assessment per tool
  • ✓ Insurance Readiness Score (0-100)
  • ✓ Renewal-Ready PDF Report
  • ✓ Incident Response Plan template
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Built on Real Insurance Industry Data

Verisk Endorsements

CG 40 47, CG 40 48, CG 35 08

NIST AI RMF

Framework Aligned

Colorado AI Act

June 2026 Ready

EU AI Act Art. 50

August 2026 Ready

Frequently Asked Questions

What exactly is an AI insurance exclusion?+
Starting January 2026, insurance companies can add endorsements to your general liability policy that specifically exclude coverage for incidents related to generative AI. If your business uses ChatGPT, Copilot, or any AI tool and something goes wrong, your insurance may not cover it.
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 Insurance Renewal Could Be the Most Expensive One Yet

Or you could spend 15 minutes documenting your AI governance.

Check Your AI Insurance Risk — Free