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CFO brief

Your general liability renewal can now exclude generative AI.

Since January 2026, insurers can exclude generative AI from general liability at renewal, using ISO forms CG 40 47, CG 40 48 and CG 35 08 (Risk Specialty Group). Coverage questions stay with your broker.

Webaroo / October 12, 2026

Ask Roo: Would an AI readiness assessment make sense for our company?

ISO forms to look for

  • CG 40 47
  • CG 40 48
  • CG 35 08

Since January 2026, at renewal. Source: Risk Specialty Group.

What changed

Since January 2026, insurers can exclude generative AI from general liability at renewal. The ISO forms are CG 40 47, CG 40 48 and CG 35 08, and the source is Risk Specialty Group.

So the policy you renew can come back with generative AI excluded. Your renewal date is the deadline to find out.

Before you sign the renewal

  1. Ask your broker whether the renewal carries CG 40 47, CG 40 48 or CG 35 08.
  2. List the AI your company runs: the tools, the teams that use them and the data they see.
  3. Take that list to the conversation with your broker.

Where Webaroo fits

We build and run AI inside mid-market companies. Our first paid step is a 10-day AI readiness assessment: AI inventory, risk tiers, the top 3 workflows with today's numbers and a 90-day plan. The AI inventory is the list of the AI your company runs.

How the 10-day AI readiness assessment works

AI consultant vs AI integrator vs AI operator

Coverage questions stay with your broker.

What CFOs ask about the exclusion.

Yes. Since January 2026, insurers can exclude generative AI from general liability at renewal (Risk Specialty Group).

ISO forms CG 40 47, CG 40 48 and CG 35 08. Ask your broker whether your renewal carries any of them.

Your broker. Coverage questions stay with your broker.

In 10 days: an AI inventory, risk tiers, the top 3 workflows with today's numbers and a 90-day plan.

Questions to ask before you hire an AI firm

Tell us what is costing you time. A straight answer first.

The first paid step is your AI strategy, a 10-day AI readiness assessment: AI inventory, risk tiers, the top 3 workflows with today's numbers and a 90-day plan.

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