An interactive reference covering every specialist carrier and programme underwriting AI liability insurance as of April 2026. Filter by segment, geography, and product posture. Click any row to expand the full carrier profile.
| Carrier | Product | Posture | Segments | Geography | Capacity | Coverage | Certifications |
|---|
Simultaneously with the build-out of specialist products, the mainstream generalist market has moved toward exclusion. Buyers cannot assume their existing commercial general liability, professional indemnity, or management liability policy responds to AI losses. The following carriers have filed exclusion language or introduced sublimits.
CG 40 47: Exclusion of Generative Artificial Intelligence. Broad exclusion across Coverage A (bodily injury and property damage) and Coverage B (personal and advertising injury). CG 40 48: Exclusion of Generative AI, Coverage B Only. Retains Coverage A bodily injury exposure, removes advertising injury. Both forms are optional endorsements available to any carrier using ISO Commercial General Liability policy language. Verisk reported strong carrier adoption interest ahead of the 1 January 2026 effective date.
| Carrier | Lines Affected | Exclusion Approach | Endorsement / Reference |
|---|---|---|---|
| W.R. Berkley | Commercial general liability, professional liability | Proposed absolute exclusion for any claim tied to "any actual or alleged use" of AI. Language names specific tools by name including ChatGPT, Bard, Midjourney, and DALL-E. Goes further than ISO standard forms. | Berkley proprietary exclusion language; filed with US state regulators |
| AIG | Management liability, D&O, professional lines | Filed AI exclusion language with state regulators. AIG stated no immediate implementation but sought regulatory approval for application as claims frequency increases. | State-filed exclusion language; coverage classes vary by jurisdiction |
| Great American Insurance | Management liability | Sought regulatory clearance for AI-specific exclusions in management liability lines alongside AIG and Hamilton. | State regulatory filing; management liability lines |
| Chubb | Commercial lines, management liability | Nuanced position: covers certain isolated AI-related incidents while introducing an exclusion for systemic or correlated AI events capable of affecting large numbers of insureds simultaneously. | Chubb systemic AI event exclusion; policy language available on renewal |
| Beazley / QBE | Cyber, professional liability (London market) | AI sublimits rather than full exclusions. AI-related cyber payouts capped at approximately 10% of total policy limits. UK firms renewing cyber cover in 2026 encounter itemised AI sublimit schedules. | AI sublimit endorsement; policy schedule; Beazley confirmed sublimit wording in development as of Q1 2026 |
A carrier or programme must be writing meaningful AI liability limits as of the edition date. "Meaningful" is defined as a standalone AI liability product or explicit affirmative AI coverage within an existing line, with per-occurrence limits of USD 1 million or above and a publicly documented product. Carriers writing AI risk exclusively as a reinsurer without a direct programme are noted but not included in the primary matrix.
All carrier data is drawn from publicly available sources: carrier press releases, trade publication reporting (Insurance Times, Business Insurance, Fintech Global, Reinsurance News), regulatory filings, and direct product documentation where accessible. Capacity figures are market observations, not guaranteed available terms. Where a data point could not be independently verified, it is marked "Not disclosed." The editorial team does not contact carriers for data in advance of publication to preserve independence.
The matrix is reviewed on a quarterly basis and updated ad hoc on material market events: new product launches, significant capacity changes, carrier withdrawals, or material regulatory developments. The "Last updated" date at the top of this page reflects the most recent review. Carriers and brokers with relevant updates are invited to submit evidence via registry@agentinsured.eu. All submissions are subject to editorial review.