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As AI Risks Grow, Insurers Split on Covering the Damage

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As AI Risks Grow, Insurers Split on Covering the Damage

Insurers are diverging in their approach to artificial intelligence (AI) risk coverage, with some developing specialized policies for agentic AI while major carriers are quietly excluding AI-related damage from their standard policies. This fragmentation leaves enterprises potentially unaware of coverage gaps in their existing insurance portfolios.

Why it matters: Enterprises relying on AI systems need to audit their current insurance policies immediately to understand whether AI-related losses are covered or excluded, as silent exclusions by major carriers could leave significant exposures uninsured.

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