What it does
CG 40 48 adds a Coverage B exclusion for "personal and advertising injury" arising out of "generative artificial intelligence", using the same definition as CG 40 47. Bodily injury and property damage are not affected.
Who needs it
Businesses using AI tools for ads, social media, websites and product descriptions, where defamation, privacy or copyright-in-advertising claims could result.
Key provisions and limits
- Edition 01 26 is the first edition.
Quoting and selling notes
- Less restrictive than CG 40 47; ask the carrier which form it will use.
- Ask how the client uses generative AI in marketing, product content and customer communications, and whether it reviews AI output before publishing.
