What it does
CG 40 47 adds Coverage A and Coverage B exclusions for injury or damage arising out of "generative artificial intelligence", defined as a machine-based learning system or model trained on data with the ability to create content or responses, including text, images, audio, video or code.
Who needs it
Marketing and advertising firms, publishers, software and app developers, and any business using AI-generated content in advertising or customer communications. Bodily injury or property damage linked to AI-generated instructions or designs is also affected.
Key provisions and limits
- Applies to both Coverage A and Coverage B.
- Edition 01 26 is the first edition.
Quoting and selling notes
- Ask how the client uses generative AI tools (marketing copy, images, chatbots, product design). Media liability and technology E&O may be needed.
- CG 40 48 limits the exclusion to Coverage B.
