The AI Insurance report analyses the emergence of a new insurance category designed to cover financial loss and liability arising directly from the behavior, outputs, and failures of AI systems – such as hallucinations, bias, model underperformance, and agentic errors – rather than traditional cyber or technology risks.
It explains the market’s shift from “silent AI” coverage under legacy policies to explicit AI exclusions, creating the need for affirmative, purpose-built AI Insurance products. The report examines regulatory drivers (including the EU AI Act and evolving US state regimes), outlines the structure of standalone AI liability and performance guarantee policies, and highlights governance as a prerequisite for insurability. It also explores underwriting challenges due to limited loss data and clarifies the boundary between cyber and AI Insurance, concluding with a Board-level agenda for integrating AI Insurance into enterprise risk and capital allocation strategy.
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