# AI Liability Insurance Buyer's Guide

> Source-verified US buyer's guide to AI liability insurance. Every factual claim in the datasets carries a source URL and a last-verified date. Written by Joel Singh (two decades of Fortune 1-100 quality engineering leadership; founder of an AI advisory practice). Research by iSinghLabs Inc; reviewed by iSL Advisory. No carrier commissions or paid placements. Informational only; not insurance or legal advice.

This site tracks both sides of the 2026 US AI insurance market: the small standalone market of AI liability products (Lloyd's and Munich Re backed, plus cyber/E&O endorsements) and the AI exclusion wave (Verisk/ISO endorsements CG 40 47 and CG 35 08, effective 2026-01-01, plus carrier-specific filings such as the WR Berkley absolute AI exclusion). Datasets are published as JSON with per-cell sourcing, visible changelogs, and quarterly re-verification.

## Core pages

- [Carrier Comparison Table](https://aicoverageguide.com/comparison.html): Every US AI liability insurance product tracked: Armilla/Chaucer (Lloyd's), Munich Re aiSure via Mosaic, Testudo, HSB SMB, AIUC, Vouch/Corix-Hiscox, Relm NOVAAI/PONTAAI/RESCAAI, Coalition, Embroker. Sortable table, source link and last-verified date on every cell, published changelog.
- [AI Exclusion Tracker](https://aicoverageguide.com/exclusion-tracker.html): Who is excluding AI from US commercial insurance, on which forms, effective when, with plain-English explanations and guidance for renewals.
- [Does E&O Cover AI?](https://aicoverageguide.com/eo-gap.html): Full explainer of the 2026 AI coverage gap: what standard E&O and general liability quietly covered before, what CG 40 47, CG 35 08, and carrier-specific exclusions remove, who is exposed, and a decision framework for endorsement versus standalone coverage.
- [Coverage-Readiness Checklist](https://aicoverageguide.com/readiness.html): The nine documents underwriters ask for before insuring AI (inventory, acceptable use policy, governance framework, risk register, bias testing, vendor diligence, incident response, training records, human oversight), with a self-assessment checklist.

## Datasets (JSON)

- [carriers.json](https://aicoverageguide.com/data/carriers.json): Structured carrier comparison dataset with per-cell source URLs and last-verified dates.
- [exclusions.json](https://aicoverageguide.com/data/exclusions.json): AI exclusion tracker dataset with form IDs, effective dates, filing status, and sources.

## Trust and policy

- [About the author](https://aicoverageguide.com/about.html): Joel Singh's background and why this guide exists.
- [Editorial policy](https://aicoverageguide.com/editorial-policy.html): Per-cell sourcing, source hierarchy, quarterly re-verification, changelogs, independence and funding.
- [Correction policy](https://aicoverageguide.com/corrections.html): How to report an error (joel@isinghlabs.com) and how corrections are handled.

## Contact

- Email: joel@isinghlabs.com
- Reviewed by: iSL Advisory (https://isinghlabs.com/ai-advisory.html)