On April 23, 2026, Wolfe Research’s analysis of thousands of regulatory filings, disclosed publicly through The Information and Cailian Press, confirmed that state insurance regulators have approved more than 80% of artificial intelligence (AI) exclusion filings submitted by subsidiaries of Berkshire Hathaway, Chubb, Travelers, and AIG, with Florida, Connecticut, and Maryland processing the highest volumes. The exclusion architecture rests on three Insurance Services Office (ISO) commercial general liability (CGL) endorsements effective January 1, 2026 (CG 40 47, CG 40 48, and CG 35 08), plus carrier-specific absolute exclusions, most aggressively WR Berkley’s PC 51380 for D&O and E&O lines. The day before, on April 22, Chubb CEO Evan Greenberg opened the company’s Q1 2026 earnings call ($2.32 billion in net income, up 74% year over year, P&C combined ratio of 84%) with commentary that “the arms race is on” regarding AI and cyber risk. TIC’s April 8 deep dive on the AI Coverage Gap framed how brokers were beginning to price the exposure; this deep dive shows that the regulatory predicate for a standalone AI liability specialty market is now in place, with mid-2026 renewals as the pressure point. For senior Property and Casualty (P&C) executives, the silent AI coverage era is formally over for general liability, D&O, and E&O lines, and the structural pattern looks exactly like the 1990s cyber carve-out that produced today’s $15+ billion specialty market.