AI Risk is Outpacing Insurance: What Organizations Need to Know in 2026

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AI Risk is Outpacing Insurance: What Organizations Need to Know

AI Risk is Outpacing Insurance: What Organizations Need to Know

Over 90% of AI-related risks fall under “Silent AI,” where policies neither clearly cover nor exclude AI, leaving organizations exposed to unintended gaps.

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The Growing Gap Between AI and Risk Management

Artificial intelligence (AI) is advancing faster than the insurance market’s ability to keep up. As organizations rapidly adopt generative AI and automated decision-making tools, traditional insurance policies are struggling to address the evolving risk landscape. In many cases, AI-related exposures are embedded across existing policies that were not designed to account for this technology, creating uncertainty around how claims will be handled and whether coverage exists at all.

What is “Silent AI”?

“Silent AI” refers to insurance coverage that does not explicitly address AI risks—meaning policies neither affirmatively cover nor exclude AI-related exposures. This mirrors the early days of cyber risk, when organizations attempted to fit cyber-related losses into policies that did not contemplate those exposures. Over time, that ambiguity led to widespread exclusions and the development of standalone cyber insurance products. AI risk is now following a similar trajectory.

The Market is Rapidly Evolving
  • New ISO endorsements exclude generative AI exposures from liability policies
  • Standalone AI liability products are rapidly emerging in the market
  • Organizations are increasingly negotiating bespoke wording to address AI risk
What This Means for Organizations
  • Coverage gaps across multiple insurance policies
  • Increased likelihood of claims disputes or coverage litigation
  • Expanded exposure tied to AI-driven operational, reputational, and legal risks

Over 90% of AI-related risks fall under ‘Silent AI’—coverage that neither explicitly includes nor excludes AI

Source: Aon Aggregated Artificial Intelligence Litigation Database (GW Dail Database: ~300 AI-related lawsuits extending back to 2010, Stanford Class Action Database: AI-related class action lawsuits not captured in the GW Dail database beginning in 2010, Output provides directional analysis to understand which insuring agreements may address these types of lawsuits)

Why Acting Early Matters

The transition from silent coverage to explicit inclusion or exclusion is already underway. Organizations that act now will be better positioned to clarify coverage, align with evolving regulation, and avoid costly surprises in the event of a claim.

How Aon Can Help
  • Assessing AI-related exposures across operations
  • Evaluating insurance programs for potential coverage gaps
  • Advising on emerging AI liability solutions and policy structures
Aon’s Thought Leader

Jesus Gonzalez
Intangible Assets Global Collaboration Co-leader

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