AI Professional Liability Insurance Coverage
Key Takeaways Most professionals don’t know if their malpractice insurance covers AI-related claims, and increasingly, it doesn’t Major carriers (AIG, Berkley, Hamilton) are actively rolling out AI exclusions Verisk’s 2026 standardized exclusions could reshape market-wide coverage overnight New AI-specific policies are emerging (like Armilla’s Lloyd’s-backed coverage), but adoption is limited Action required: Ask your carrier directly about AI coverage before renewal, don’t assume The Growing AI Coverage Gap # Professional liability insurance was designed for a world where humans made decisions and mistakes. As AI tools increasingly participate in professional services, from legal research to medical diagnosis to financial advice, a dangerous gap is emerging between the risks professionals face and the coverage they assume they have.