The AI insurance landscape changed dramatically in 2026. Major carriers now exclude AI-related claims from standard policies. This hub tracks state regulations, carrier endorsements, and industry-specific compliance requirements to help you understand your exposure.
The rise of AI agents and shadow AI makes these exclusions hit harder than expected. Most enterprises have over 1,200 unsanctioned AI applications running — each one a potential uninsured liability. Understanding your full AI footprint is the first step toward protecting it.
Exclusion language was written for traditional software. AI agents and unsanctioned AI tools create exposure that most companies haven't mapped — and most policies won't cover.
Average number of unsanctioned AI applications per enterprise. Each one operates outside your governance framework — and outside your insurance coverage.
Get a Shadow AI Discovery →Of companies now have AI agents in production — autonomous systems that make decisions, execute transactions, and create liability without human review.
Read the analysis →By Q3 2026, most commercial policies will include AI-specific language. Companies without documented AI governance will face higher premiums, sublimits, or outright exclusions.
Get carrier-ready →States are rapidly enacting AI-specific legislation. Each state page covers enacted laws, pending bills, compliance requirements, and carrier filing activity.
Different industries face different AI risks and compliance requirements. Explore how AI regulations and insurance changes affect your sector.
Schools, universities, EdTech platforms, and learning management providers that deploy AI for admissions screening, student assessment, academic proctoring, and personalized learning. These firms face regulatory scrutiny because AI in education affects access to educational opportunities — education is explicitly listed as a consequential decision domain in multiple state AI laws alongside employment, healthcare, and housing.
Banks, credit unions, investment firms, fintech companies, and financial advisors that deploy AI for credit decisioning, underwriting, portfolio management, fraud detection, and customer engagement. These firms face overlapping state AI obligations and federal financial regulations (ECOA, FCRA, Dodd-Frank), creating a layered compliance environment where state AI laws add requirements on top of — not in place of — existing federal frameworks.
Hospitals, physician practices, telemedicine platforms, and health technology companies that deploy AI for clinical decision support, patient triage, diagnostic assistance, and patient communication. These firms operate under heightened regulatory scrutiny because AI errors can directly affect patient safety and health outcomes, and because healthcare is explicitly listed as a high-risk decision domain in multiple state AI laws.
Staffing agencies, recruiting firms, and HR technology providers that use AI for candidate sourcing, resume screening, interview analysis, and employment decision support. These firms face heightened regulatory scrutiny because AI in hiring directly affects individuals' economic opportunities.
Insurance brokers and agents who use AI tools for underwriting support, client risk assessment, claims processing, and policy recommendation.
Law firms and legal professionals using AI for legal research, document review, contract analysis, and client advisory services.
Marketing and creative agencies that use AI tools for content creation, design, client communication, and campaign management.
Real estate brokerages, property management firms, proptech platforms, and real estate investment companies that deploy AI for property valuation, tenant screening, listing optimization, and client engagement. These firms face regulatory scrutiny because AI in housing directly intersects with fair housing obligations, and algorithmic bias in property valuations or tenant screening can produce discriminatory outcomes at scale.
Track which carriers have filed AI exclusion endorsements, where they've been adopted, and what policy types are affected.
Absolute AI exclusion for D&O, E&O, and Fiduciary Liability — eliminates coverage for any claim "based upon, arising out of, or attributable to" AI use.
Excludes liability arising from generative artificial intelligence systems from commercial umbrella and excess liability policies.
Rather than excluding AI claims, applies a sublimit to AI-related professional liability claims, typically 25-50% of the policy limit.
Excludes bodily injury and property damage arising out of generative AI under products/completed operations coverage.
Excludes bodily injury, property damage, and personal/advertising injury arising out of generative AI content, output, or interaction.
Excludes personal and advertising injury arising out of generative AI content, output, or interaction. Applies to Coverage B only — does not exclude bodily injury or property damage.
Understand your specific AI liability exposure and insurance coverage gaps. Our assessment covers regulatory compliance, insurance policy review, and governance recommendations.
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