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AI Insurance is insurance coverage addressing losses and liabilities arising from the use, development, or failure of AI systems, including dedicated AI liability policies and AI-specific exclusions or endorsements within existing cyber, technology, or general-liability cover.
AI Insurance, insurance coverage addressing losses and liabilities arising from the use, development, or failure of AI systems, including dedicated AI liability policies and AI-specific exclusions or endorsements within existing cyber, technology, or general-liability cover.
As AI is embedded across operations, insurers have moved to make AI risk explicit rather than "silent": through 2025-2026, standardised generative-AI exclusions (such as the ISO/Verisk endorsements effective January 2026) began removing AI-related claims from some general-liability policies, while a small specialist market, including Lloyd's coverholders, emerged offering affirmative cover for harms such as hallucinations, model drift, and discrimination. For governance teams the practical question at renewal is whether your policies still respond to AI-related claims, and insurance is increasingly a lever that rewards demonstrable AI assurance. (Market terms move quickly; verify current cover with your broker.)
Source: Insurance-market practice; Swiss Re Institute; ISO/Verisk generative-AI exclusion endorsements
As AI is embedded across operations, insurers have moved to make AI risk explicit rather than "silent": through 2025-2026, standardised generative-AI exclusions (such as the ISO/Verisk endorsements effective January 2026) began removing AI-related claims from some general-liability policies, while a small specialist market, including Lloyd's coverholders, emerged offering affirmative cover for harms such as hallucinations, model drift, and discrimination. For governance teams the practical question at renewal is whether your policies still respond to AI-related claims, and insurance is increasingly a lever that rewards demonstrable AI assurance. (Market terms move quickly; verify current cover with your broker.)
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