Since January 1, 2026, Verisk/ISO exclusion endorsements have allowed carriers to strip generative AI liability from commercial general liability policies, and at least six major carriers including WR Berkley, AIG, Great American, Hamilton Insurance Group, and Philadelphia Indemnity have filed their own exclusions with state regulators. Exactly three standalone AI liability insurance products exist to fill the gap, and all three are surplus lines, Lloyd’s or Munich Re backed, and distributed through channels most commercial brokers have not yet accessed. For wholesale placement professionals and carrier strategy executives, the operational problem is immediate: client questions about AI coverage gaps are arriving faster than the market infrastructure to answer them.
Companies in Focus: Armilla AI, Testudo Global, Munich Re, Mosaic Insurance, Vouch, Chaucer Group, AXIS Capital, Swiss Re, Convex, Greenlight Re, Apollo, Atrium, QBE, WR Berkley, AIG, Great American, Hamilton Insurance Group, Philadelphia Indemnity, Chubb, AXA XL, Coalition, Hiscox, Beazley, BOXX, AJ Wayne & Associates, Amwins, Verisk/ISO
This brief covers:
What do the three live AI liability products actually cover, and how do their underwriting approaches differ?
Which commercial client profiles fit which product, and what does the submission process look like?
What should brokers and carrier strategy executives build into their 2026 plans before the first major AI liability claim hits?
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