AmTrust and six affiliated insurers have filed a set of new Commercial General Liability (CGL) endorsements in Georgia, introducing exclusions targeting artificial intelligence, habitability claims, substances such as kratom and delta-8 THC, small electric transportation devices, snow and ice removal operations, and new residential construction. The filing was submitted on June 3, 2026, with a requested effective date of November 1, 2026.

The filing applies to AmTrust Insurance Company, Security National Insurance Company, Technology Insurance Company, Wesco Insurance Company, CorePointe Insurance Company, Milford Casualty Insurance Company, and Southern Insurance Company.

Among the new endorsements is an Artificial Intelligence exclusion that would bar coverage for bodily injury, property damage, and personal and advertising injury arising out of AI systems. The endorsement defines artificial intelligence as a machine-based learning system or model capable of generating content such as text, images, audio, video, or code.

Another endorsement excludes liability related to small electric transportation devices, including e-bikes and e-scooters. AmTrust said the exclusion is intended for risks with exposure to such devices, including hotels that rent them.

The substances exclusion would remove coverage for claims arising from the manufacture, distribution, sale, handling, use, or exposure to products including kratom, mitragynine, 7-hydroxymitragynine, delta-8 THC, tianeptine, and THC-O acetate. According to the filing memorandum, the endorsement addresses concerns over opioid-like substances that have been linked to injury and death.

Additional endorsements would exclude claims related to habitability issues in residential properties, snow and ice removal operations, and work involving new residential construction, while allowing coverage for certain repair, renovation, and remodeling projects.

The filing also replaces an existing firearms exclusion endorsement with a broader weapons exclusion that applies to bodily injury, property damage, and personal and advertising injury arising from the possession, ownership, maintenance, use, or threatened use of a lethal weapon, including firearms.

AmTrust said the new exclusions are intended to allow the company to write risks that might otherwise be declined while limiting exposure to specific emerging or high-severity liability risks. The filing carries no rate impact.