Utica National, through Graphic Arts Mutual and affiliated entities, submitted multi state filings on February 23, 2026, to introduce new endorsements addressing generative artificial intelligence and litigation risk. The changes apply in Connecticut, North Carolina, Maryland, Tennessee, and Texas, with an effective date of January 1, 2027, for new and renewal business.

The filings add a mandatory Generative Artificial Intelligence exclusion across General Liability and Businessowners policies, removing coverage for claims arising from machine based systems trained to generate text, images, or code. Utica stated that current pricing does not contemplate these exposures. The company is also requiring a third party litigation funding mutual disclosure to manage risks associated with external claim financing.

In Connecticut, the updates include both BOP and General Liability forms, and introduce an optional punitive damages exclusion to limit high severity loss exposure.

The move reflects a broader effort by Utica to address emerging technology and legal risks through coverage restrictions rather than pricing changes.