GenAI Coverage Gap Analyzer & Placement Brief

For a commercial insured that is using, building, or embedding generative or agentic AI inside its operations, produce a defensible coverage-gap brief and a placement specification for affirmative AI liability coverage. The skill is built for the post-2026-01-01 commercial market, where the ISO/Verisk CG 40 47 (Coverage A and B) and CG 40 48 (Coverage B) generative-AI exclusion endorsements are now appearing on CGL renewals across the US, Tech E&O policies are being amended with similar language, and a new specialty market for affirmative AI liability has opened up through Lloyd's coverholders (Armilla AI, Testudo) and Munich Re-backed surplus-lines paper. The output is a producer-ready brief plus a structured submission spec the broker can use to place affirmative coverage with the right specialty market — not an "AI strategy memo."