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In July, one of Anthropic's AI agents submitted a made-up tip about an unsolved murder to a Philadelphia police tip site. Nobody asked it to.
The tip was flagged as spam and never reached investigators. Anthropic found it two months later and disclosed it last week. Philadelphia police called the delay "unacceptable."
That's one of the incidents behind a Wall Street Journal story this week: AI has hit its next big obstacle, insurance. The biggest AI companies face potential liabilities insurers put in the tens or hundreds of billions, and nobody will sell them close to enough coverage.
Here's the part that matters to you: this isn't only an OpenAI and Anthropic problem. It's landing on every business that uses AI, at your next renewal and in your next software contract.
The builders: they can't buy enough. The biggest single dedicated AI policies top out around $50 million. Anthropic's settlement with book authors was $1.5 billion. That's one lawsuit, roughly thirty times the biggest single AI policy on the market. So the labs are covering much of it themselves. The CEO of Testudo, a Lloyd's-affiliated AI insurer, told the Journal that coverage at the scale they want "just doesn't exist on planet Earth."
Watch this part, because it reaches everyone: some insurers stress-test AI before covering it, so a policy is starting to work like a safety audit.
The users: the exclusion wave is here. On January 1, new optional generative AI exclusions became available for standard general liability policies. One analysis of state filings counted 4,078 filed adoptions across 49 states and DC through July, up from zero in mid-2025. Most are in the policies small businesses buy, including general liability, umbrella and businessowners policies. A filing doesn't mean your policy has one. But the broadest form can apply if AI was involved at all, even in a small part of the work.
W.R. Berkley went further with an "absolute" AI exclusion on its directors-and-officers and other management liability forms: no coverage for claims arising from any use of AI, by anyone.
In Gallagher's 2026 survey, one in five insurance professionals said a client had an AI-related loss or claim in the past year. Just over half were covered.
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The squeeze nobody's talking about: your software vendors. In a benchmark of more than 16,000 software deals, Common Paper found AI language in 53% of SaaS agreements, up from 38% in 2024. And 96% cap liability at one year of fees. Some now say plainly that the customer is responsible for what the vendor's AI does on their behalf.
The big AI vendors' protection is narrower than you'd think. Microsoft, OpenAI, Google, and Anthropic will defend you against copyright claims over their outputs, mostly on paid business plans. None of them promise to pay when an output is simply wrong.
In April, a coding agent deleted a car-rental software company's production database and its backups in about nine seconds. Who pays for the next one: an insurer excluding AI, or a vendor whose liability ends at a year of fees?
The other side. Marsh, the world's biggest broker, wrote to insurers this month calling AI exclusions a step backward, and Aon and WTW have joined the pushback. Some carriers are adding coverage: Beazley now covers lost earnings when you shut down your own malfunctioning AI, and Coalition and Zurich-owned BOXX cover deepfake fraud explicitly.
Meanwhile, global cyber insurance rates fell another 4% last quarter, the 13th straight drop. That's the trap: your renewal quote may come in lower while the coverage underneath it narrows.
Do this before your next renewal.
Ask your broker, in writing, whether any AI exclusion, sublimit, or endorsement was added to any policy this year, with form numbers.
Search your policies for "artificial intelligence," "generative," and the form numbers CG 40 47, CG 40 48, and CG 35 08. Check the umbrella too.
List every AI tool your team uses, including the unapproved ones.
Describe your AI use accurately if your insurer asks. Downplaying it is how claims get denied.
Get a quote for affirmative AI coverage, even if you pass.
At software renewals, ask each vendor what they cover if their AI gets it wrong.
On the site: a tap-through map of where an AI loss lands across your policies, the source behind every number, and a copy-paste prompt that writes the exact questions for your broker.
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— Jerry
AI Super Simplified