What it does
The exclusion applied one layer up. An umbrella or excess policy that carries a generative AI exclusion will not follow the primary policy's coverage for a generative AI claim even where the primary has no such exclusion, so the two forms have to be read together. For a robotics or AI company whose customer contract requires a $5M umbrella, an exclusion on the umbrella can leave the contractually required limit unavailable for exactly the claim the customer worried about.
Where it applies
Washington: the source reports the filer updated its commercial umbrella and excess forms there. Other states not stated.
Source
beinsure, "US insurers add generative AI exclusions as regulators approve new forms", 2026-02-01. Last checked 2026-09-12. If the source has changed or you hold a copy of the form, write to us and we will correct the row.
Cite this row: Risklytics, “Generative AI exclusion on updated umbrella and excess forms”, AI exclusions tracker, https://www.risklytics.ai/ai-exclusions/great-american-umbrella-generative-ai-exclusion/, reviewed 2026-09-12; tracker revised 2026-09-12.