Insurance
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Explore insurance coverage for AI-related losses, disputes over policy terms, and challenges involving insurers’ use of AI in underwriting and claims decisions. Start with the United States guides below; each article identifies the sources and jurisdictions it discusses.
Coverage for AI risks
Find the relevant policy types and distinguish defense costs, liability payments and AI performance risk.
Policy wording and exclusions
Examine an express AI exclusion, sample coverage grants and the terms needed to assess an issued policy.
Insurance disputes
Insurer–policyholder disputes over coverage, exclusions and the duty to defend.
United States · Seventh Circuit. Duty to defend biometric-privacy claims involving Clearview AI’s facial-recognition technology.
Challenges involving AI-assisted benefit decisions, underwriting and pricing; Medicare Advantage and state supervisory approaches.
United States · District of Minnesota. Proposed class action challenging alleged use of nH Predict in Medicare Advantage post-acute-care coverage decisions.
Laws and regulatory oversight
United States · Federal legislative proposal addressing physician review of AI-assisted Medicare Advantage denials.
- New York underwriting and pricing guidance
- Singapore AI risk-management supervision — insurers and insurance brokers; phased implementation in 2027–2028.
- NAIC model bulletin and state adoption
- Italy: IVASS supervision of high-risk insurance AI — Decree No. 179/2026; commencement October 23, 2026.
- Legislation and Regulation · AI Law by Topic
Related research and policy
- Nuclear Threat Initiative: Rethinking Insurance and Legal Responsibility for AI-Enabled Biology — Irowa-Omoregie and Jordan discuss risk allocation and unresolved coverage questions for AI-enabled biology.
- RAND: The Insurability of Artificial Intelligence — Research on coverage, exclusions and correlated AI losses.
- Anat Lior — Research on AI liability and insurance.
- Insurance and AI-governance policy — Risk allocation and the limits of insurance for catastrophic harm.