AI insurance coverage. What your policies exclude.
As the AI Act's obligations arrive, insurers are rewriting wordings to deal with autonomous AI activity inside existing products. This hub collects this desk's analysis of the coverage gaps, together with the market reading published on Agent Insured and Insure Your Agent.
On this site. Gaps and exclusions.
How AI exclusions are entering the market and what they mean for an operator at renewal.
- AI policy exclusions in 2026. What your existing coverage actually excludes.How AI exclusions work across a renewal, from general liability to directors and officers: carrier endorsements, the silent and affirmative distinction, and the questions to put to a broker.
- Does my professional liability or E&O policy exclude AI mistakes?Where professional indemnity and errors and omissions wordings stop when an AI system makes the mistake, and how sublimits work.
From the sister sites. The market itself.
Agent Insured follows the market for insuring AI agents and Insure Your Agent writes for the operator buying cover. The pieces most relevant to a European deployer.
- The 2026 AI liability insurance market mapThe carriers writing AI liability cover, their products and their underwriting criteria, in one reference. On agentinsured.eu.
- AI liability insurance pricing in 2026Rate structures, coverage limits and the underwriting factors that drive premium for AI agent liability. On agentinsured.eu.
- Does my business insurance cover AI errors?A policy by policy guide to how general liability, E&O, cyber and D&O treat AI agent errors, and the specialist options. On insureyouragent.com.
- Munich Re aiSure, explainedA performance guarantee for AI systems that settles on measurable performance data, written with Mosaic. How it works and where the gaps remain for a European operator. On agentinsured.eu.
- What AI agent insurance will coverWhat policies written for AI agents respond to, drawing on AIUC-1, Munich Re aiSure and Armilla. On agentinsured.eu.
- Why AI exclusions are appearing in cyber and E&O policiesHow cyber and professional indemnity wordings are being rewritten around autonomous AI activity, and how to read a renewal. On agentinsured.eu.
Agent Insured
The market for insuring AI agents, followed closely: who writes the cover, what it responds to, and what underwriters ask to see first.
Insure Your Agent
A plain guide for companies running AI agents: where current policies stop, what to ask a broker, and the coverage audit tool.
Carrier comparison
Carriers writing AI agent liability cover side by side: products, limits, exclusions and underwriting criteria.