VELARU — CG 40 47 / GEN-AI ENDORSEMENT GAP CHECKLIST
Nisaba LLC · Broker / retail desk · Not legal advice
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Use at renewal — before the insured discovers an AI exclusion on the denial letter.
Velaru Proof Sprint produces governed-use evidence if you need a carve-back ask.

STEP 1 — GET THE ENDORSEMENT SCHEDULE (not the marketing summary)
[ ] Declarations page for current CGL term
[ ] Endorsement schedule listing every form attached this term
[ ] Prior term endorsement schedule (compare — new forms often appear at renewal)

STEP 2 — SEARCH FORM CODES (ISO + carrier-specific)
[ ] CG 40 47 01 26 — broad GenAI exclusion (Coverage A + B)
[ ] CG 40 48 01 26 — GenAI exclusion Coverage B only
[ ] CG 35 08 01 26 — GenAI exclusion products/completed ops
[ ] Carrier proprietary AI exclusion (Berkley PC 51380, etc.)
[ ] Parallel AI exclusion on E&O / D&O / cyber tower (stacked gaps)

STEP 3 — SERFF / STATE FILING (optional but strong)
[ ] Confirm form adopted in insured's domicile state via SERFF Filing Access
[ ] Note effective date vs renewal effective date

STEP 4 — INSURED INTERVIEW (two questions)
[ ] Where is generative AI used in operations? (owned, licensed, embedded SaaS)
[ ] Was any AI tool involved in the loss scenario you're worried about?

STEP 5 — IF EXCLUSION PRESENT — THREE PATHS
[ ] Carve-back ask: governed use + independent verify URL (Velaru sprint dossier)
[ ] Specialty AI liability tower (standalone market — expensive, slow)
[ ] Accept gap + document retention risk for the board

STEP 6 — VELARU PROOF SPRINT (if carve-back path)
[ ] Enroll pre-dispute window · Handler Receipt frozen before incident
[ ] Signed receipts during window · stranger verify at /verify
[ ] Forward status URL + export to underwriter / outside counsel

Velaru broker desk: https://velaru.onrender.com/broker-relay
Demo (~10 sec): https://velaru.onrender.com/demo/hero?autorun=1
Partner track links: https://velaru.onrender.com/go/{partner}

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