How many shadow AI tools does the average enterprise have?
Answer
Industry surveys indicate the average enterprise has 40-60 AI-enabled tools in use, with only 10-15 formally sanctioned. The gap represents shadow AI exposure that most insurance policies now explicitly exclude.
Carrier Endorsement Details
Verisk — CG 40 47 01 26
Excludes bodily injury, property damage, and personal/advertising injury arising out of generative AI under Coverage A and Coverage B. Part of the January 2026 ISO edition; companion forms address narrower scopes: CG 40 48 (Coverage B / personal and advertising injury only) and CG 35 08 (products and completed operations).
Key Provisions
W.R. Berkley — PC 51380
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.
Key Provisions
Where this lands operationally
Gridex turns the compliance or coverage question into operated workflow controls: intake, review points, audit trails, and the places a person stays in the decision.
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Use this research to identify the workflow, review points, and operating controls that would matter in your organization.
Map This Workflow With Gridex →Related Questions
- What is shadow AI? Shadow AI refers to artificial intelligence tools and services used by employees without IT department knowledge or organizational approval — including ChatGPT, AI writing assistants, and AI-powered browser extensions.
- How do you discover shadow AI tools in your organization? Shadow AI discovery requires network traffic analysis, SaaS management platform audits, browser extension inventories, and employee surveys. Most organizations find 3-5x more AI tools in use than officially sanctioned.