AI Liability and Insurance: Emerging Coverage, Claims, and Silent Risk

As organizations rapidly adopt artificial intelligence, insurers, brokers, and policyholders are confronting new questions about how AI-related losses will be covered and where coverage gaps may exist. Join this webinar and hear from professionals who work directly with AI-related risks as they examine how the insurance market is responding to this evolving exposure.

This discussion will explore how AI-related risks are translating into claims and losses, the approaches insurers and MGAs are taking to address these risks through affirmative coverage, AI-specific endorsements, exclusions, or policy silence, and how these issues may impact professional liability and financial lines claims. Our speakers will also examine the growing concern over “silent AI” risk, where policies neither expressly include nor exclude AI-related exposures, creating uncertainty for insurers and insureds alike.

Attendees will gain practical insights into emerging coverage trends, evolving underwriting practices, and the potential for uninsured AI exposures as the legal and regulatory landscape continues to develop.

Learning Objectives
• Understand how AI-related risks are expected to generate professional liability and financial lines claims.
• Explore how insurers and MGAs are addressing AI exposures through affirmative coverage, exclusions, endorsements, and policy language.
• Examine how AI-related claims may trigger or fail to trigger coverage across different professional liability and financial lines policies, including issues surrounding silent AI risk.
• Identify potential uninsured AI exposures and the implications for policyholders, insurers, and the broader insurance marketplace.

Why This Matters
• Underwriters: Better evaluate AI-related exposures, understand emerging policy language and exclusions, and develop underwriting strategies for rapidly evolving risks.
• Brokers: Advise clients on AI-related coverage options, identify potential gaps in protection, and navigate a changing insurance marketplace.
• Claims Professionals: Prepare for emerging AI-related claims by understanding likely coverage issues, policy interpretation challenges, and silent AI exposures.
• Attorneys: Stay informed on developing coverage disputes, policy construction issues, and the legal implications of AI-related liability across professional liability and financial lines policies.
• Risk Managers: Assess whether existing insurance programs adequately address AI-related risks, identify potential uninsured exposures, and make more informed risk transfer decisions.

This webinar is eligible for 1 hour of ExecPLP Designation Self Reporting and CPLP Designation Self Reporting