Bonus Toolkit · The AI Forward Broker
The Broker AI Cover Gap Worksheet
A working document for broker MDs. A wave of AI exclusions reset the US commercial market in 2026, and London follows the wording. Run this once across your top commercial accounts, then before every renewal.
Broker AI Cover Gap Worksheet
PDF · 15 pages · 8 working sections · maps your book to the ISO exclusions CG 40 47, CG 40 48, CG 35 08 and the WR Berkley clause PC 51380
Free to download. No form, no sign-up. Built for UK general insurance brokers. Use it alongside your technical lead, your compliance function, and your own professional indemnity arrangements. Not coverage, legal or regulatory advice.
Why this worksheet exists
The Insurance Services Office, the US standards body owned by Verisk, released three generative-AI exclusion endorsements for Commercial General Liability, effective 1 January 2026. CG 40 47 is the broad form, CG 40 48 the narrow one, CG 35 08 hits products and completed operations. On top of those, WR Berkley filed PC 51380, an absolute AI exclusion for D&O, E&O and fiduciary lines.
By April 2026 state regulators had cleared more than 80 per cent of the AI exclusion filings lodged by subsidiaries of Berkshire Hathaway, Chubb, Travelers and AIG. The exclusions attach at renewal, one carrier at a time. A policy in force from 2025 may not carry them. Its 2026 renewal very likely will.
This is a US story today. ISO and Verisk wordings set the template the London market adapts, and the same language is already appearing in specialty and professional lines placed through Lloyd's. Treat the US wave as the leading indicator, not someone else's problem.
What is inside
Eight working sections that take you from your book to a file you can produce the day a client asks whether their AI exposure is actually covered. Allow two to three working days to run it properly across your top accounts, with the account handler, the technical or compliance lead, and whoever owns your carrier relationships in the room.
01
The account inventory
Your top commercial accounts, July to September renewals first, with the lines you place and whether the client uses AI anywhere a claim could reach.
02
The wording sweep
The heart of it. Per account and per line, find whether an AI exclusion is already on the wording, which form, and how wide it reaches. Before the indication, not at the binder.
03
The three-gap map per account
The three jobs every exposed account needs closed: the wording sweep recorded, the client letter sent and signed, the affirmative option identified.
04
Accountability
A named senior owner of the response, the roles beneath them, and the documents they should be able to produce on request.
05
The client file
What to hold per account the day a client questions their cover or your PI insurer asks how you handled the wave. The signed letter protects the broker as much as the client.
06
Action log
Every gap from the sections above, with an owner, an action required, a target date, and a status.
07
Self-score
Score each pillar out of 10. The first time most brokers run this across the book, the score is lower than they expected. That is the point.
08
The next 90 days
A working sequence, not a project plan, built to get ahead of the July to September renewal wave rather than chase it.
Want a working session to run this across your book?
If you would rather run the sweep alongside your technical lead, with someone who has done it before, let's have a conversation. No agenda, no pitch.