AI liability insurance in the US: who covers it, who excludes it, and how to get coverage-ready.
A source-verified buyer's guide for business decision-makers. No carrier pays for placement or ranking. Every factual cell in our datasets carries a source URL and a last-verified date.
Author & researcher
Joel R. Singh
Placement policy
Not for sale
Live carrier coverage monitor
Last full verification 2026-08-01 · how we verify
Coverage landscape · As of 2026-07-12
AI liability products tracked
Named-AI or AI-endorsed policies from admitted and E&S carriers, individually verified.
AI exclusion filings, plain-English
ISO and manuscript exclusions filed with state DOIs, summarized without the jargon.
2026 Market Shift
What changed in 2026
On January 1, 2026, two new Verisk/ISO endorsements took effect. If your business uses generative AI in marketing, operations, or products, your general liability renewal may now carry an exclusion for exactly that activity.
At the same time, a small but real standalone market has emerged. Only a handful of true standalone AI liability products exist worldwide as of mid-2026, all surplus lines, Lloyd's or Munich Re backed. Everything else is an endorsement on cyber or tech E&O policies.
This guide tracks both sides: the products you can buy, and the exclusions arriving on your renewal.
The exclusion wave
The wave goes beyond the standard ISO forms. WR Berkley has introduced an absolute AI exclusion on D&O, E&O, and fiduciary lines covering "any actual or alleged use, deployment, or development of Artificial Intelligence". Our AI Exclusion Tracker follows each filing with source links and plain-English explanations.
The governance connection
Underwriters increasingly condition coverage and pricing on your AI governance posture: model inventories, documented human oversight, bias testing records, and incident response plans.
Organizations that can produce this documentation receive coverage on workable terms. Those that cannot face exclusions, sublimits, or premium increases. Our coverage-readiness checklist walks through the documentation set underwriters ask for.
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2023–2024
Carrier manuscript endorsements emerge
Select E&S carriers begin attaching ad-hoc AI exclusions to Tech E&O and GL renewals. No standardized form; language varies by carrier and broker.
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January 1, 2026 · In Effect
Standard exclusions become effective
The ISO forms take effect. Standard GL and umbrella policies that adopt these endorsements now exclude AI-related bodily injury and property damage claims by default.
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Now · Ongoing
Carrier adoption is the variable
Carriers are choosing whether to file the ISO forms in each state, use proprietary equivalents, or offer AI buy-back endorsements. Coverage gaps depend on your carrier, state, and renewal date.
Check carrier adoption table →
The Guide
Start with the four cornerstones
Everything on this site feeds one of four resources. Each is source-linked, dated, and re-verified on a stated cadence.
Carrier Comparison Table
Every US AI liability product we track: standalone policies, performance guarantees, DIC wraps, and endorsements. Sortable, with a source link and last-verified date on every cell.
AI Exclusion Tracker
Verisk CG 40 47 and CG 35 08, carrier-specific filings, and what each one means in plain English. Updated on a stated cadence with a visible changelog.
Does E&O Cover AI?
What standard E&O and general liability covered before, what the 2026 exclusions remove, and a decision framework for closing the gap.
Coverage-Readiness Checklist
The underwriter documentation set: AI inventory, acceptable use policy, governance framework, bias testing records, and more. Get ready before renewal.
How this guide works
- Per-cell sourcing. Every factual claim in our datasets links to its source and carries a last-verified date. Where a carrier has not disclosed a detail, we say "Not disclosed / verify with carrier" instead of guessing.
- Visible changelogs. The comparison table and exclusion tracker each publish a changelog. Capacity figures in this market changed three times in six weeks; freshness is the whole point.
- Quarterly re-verification. Every cell is re-checked against its source at least quarterly, with ad hoc updates on launches and filings. See the editorial policy.
- Independent research. No carrier pays for placement or ranking. The site runs display advertising; advertisers have no say over research or rankings. See the full funding disclosure.
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Editorial independence protected. Rankings and verification are never for sale. Read by insurance buyers, risk managers, and their counsel.