Endorsement Overview
HAM-AI-2025 — SUBLIMIT
Artificial Intelligence Sublimit Endorsement
Rather than excluding AI claims, applies a sublimit to AI-related professional liability claims, typically 25-50% of the policy limit.
Applies to: E&O, Cyber
Key Provisions
- Applies sublimit (not exclusion) to AI-related claims
- Sublimit typically 25-50% of aggregate policy limit
- Requires AI governance documentation for full limit access
- Includes incident response requirements for AI failures
Market Impact
A more nuanced approach than absolute exclusion. Rewards insureds with AI governance frameworks by maintaining higher limits, creating incentive for compliance.
Filing Status by State
| State | Filing Date | Status | Source |
| CO | 2026-01-15 | filed | SERFF CO |
| CA | 2026-02-01 | filed | SERFF CA |
| NY | 2026-02-15 | pending | SERFF NY |
Filing status based on carrier announcements and state DOI records.
Verify filings through SERFF Filing Access.
Adopting Carrier Groups
- Hamilton Insurance Group
- Select Lloyd's syndicates
Disclaimer: This content is provided for informational purposes only and does not constitute legal advice. AI regulations and insurance policy terms change frequently. Consult with a qualified attorney or insurance professional for advice specific to your situation. Gridex makes no warranties regarding the accuracy or completeness of this information.