As organizations rapidly adopt generative and agentic AI across
their operations, an important counter-movement is emerging:
insurers are apparently seeking to limit or exclude coverage for
AI-related risks. This shift would mark a pivotal moment for
corporate risk management, one that many companies may not have yet
fully appreciated.
As reported by the Financial Times
(behind paywall), several major insurers have begun filing for
regulatory approval in the United States to introduce broad
exclusions tied to the use of AI tools. Some of these proposed
exclusions would apply to any use — or even alleged use
— of AI, or to any product or service that incorporates AI in
any way. For businesses deploying modern software, this could
translate into a significant reduction in available protection.
