Published 2026-10-30
Do you need AI agent liability insurance? What to know before you sign up
Read the story & commentary question
ZDNET reports insurers are asking regulators for AI-specific policy exclusions while startups and specialty carriers roll out AI liability products. The article describes divergent insurer responses, describes coverage variations (defense, indemnity, performance triggers), and notes underwriters rely on proxies because historical data on AI losses is limited.
Consider whether your existing policies exclude AI-related incidents or lack clear triggers; review policy language and vendor risk when assessing coverage gaps.
Consider: Which specific AI-related loss triggers (e.g., indemnity, defense costs, model performance) should insurers clarify for commercial policyholders in your sector?
