Underwritten

The First Claims, Part 1: What the Machine Said

The first AI liability claims are about what the machine said. A chatbot's false promise and a fabricated accusation show insurers where an old exposure now speaks in a new voice.

The First Claims, Part 2: What the Machine Did

The first AI liability claims are also about what the machine did. Biased hiring algorithms and the fight over training data show where the biggest exposures are, and where the exclusions are moving fastest.

The Questions Before the Policy, Part 1: Why Underwriters Price the Company

With almost no loss history to price against, AI underwriters price the company instead of the risk, and the renewal questionnaire is where that judgment is made.

The Questions Before the Policy, Part 2: The Underwriter's File

The AI insurance questionnaire converges on roughly nine documents. This is the file that makes you insurable, and the frameworks that turn governance into a price.

The 21% Problem

One in five enterprises cannot stop a runaway AI agent in real time. Why that control gap decides whether your agents are insurable.

Who Insures the Machine

After the exclusions wrote AI out of ordinary policies, a real and fast-growing market formed to write it back in. Here is who now sells affirmative AI cover, and how that market is actually built.

The Price of Not Knowing

Insurance runs on loss history and large numbers, and AI offers almost none of it, which is why coverage is scarce, costly, and gated by what you can prove.

Coverage by Silence

For most of insurance history, silence in a policy tended to favor the policyholder. With AI, that silence is being written out of existence, and the burden of proof has shifted onto you.

The Exclusion Machine

The insurance industry has met every new systemic risk the same way for a century, and in 2026 it turned that machine on AI.