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As companies adopt AI, many insurance firms are explicitly excluding AI risks, while others are forging ahead to create the right framework. What risks can firms reasonably manage?
June 10, 2026
The insurance industry is undergoing a major shift as businesses look to quickly adopt AI while seeking insurance policies to manage potential risks — especially those posed by agentic AI systems that could cause significant damage before being caught by human-in-the-loop processes.
While the current risk is small as companies test potential ways to integrate AI into their operations, some insurers are already taking steps to exclude AI-caused damage from their more traditional insurance policies, leaving the risk to be absorbed by cyber insurance policies or tech errors-and-omissions (E&O) coverage. Others have already created explicit policies to protect against AI risks, even if the current market for insuring against AI risk is tiny.
