BRK-B · News · 20261017N
AI Insurance Coverage Exclusions
BERKSHIRE HATHAWAY INC · 2026-10-17 · Importance 31 · Surprise 42 · In source text
Berkshire Hathaway, along with Chubb and Travelers, has introduced generative-AI exclusion endorsements including CG 40 47, CG 40 48, and CG 35 08. The exclusions reduce or eliminate traditional “silent AI” coverage for losses caused by hallucinations, flawed reasoning, and unauthorized autonomous actions. The development indicates that insurers are tightening coverage as agentic-commerce systems make payments, sign contracts, and handle sensitive customer data outside the triggers of standard cyber and technology errors-and-omissions policies.
Key facts
- Major carriers, including Berkshire Hathaway, have introduced generative AI exclusion endorsements such as CG 40 47, CG 40 48, and CG 35 08. source
Impact estimates
| metric | direction | stage | expected | basis |
|---|---|---|---|---|
| liability | positive | committed | — | Major carriers, including Berkshire Hathaway, have introduced generative AI exclusion endorsements such as CG 40 47, CG 40 48, and CG 35 08. |
| operating_income | positive | committed | — | Major carriers, including Berkshire Hathaway, have introduced generative AI exclusion endorsements such as CG 40 47, CG 40 48, and CG 35 08. |