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Covers AIInsurerChecked 21 Oct 2026

HSB AI insurance

HSB (Hartford Steam Boiler), part of Munich Re, announced AI liability insurance for small and mid-sized businesses in March 2026, to be sold through partner carriers once approved.

munichre.com/hsb/en.html

AFFIRMATIVE COVERAI LOSSES NAMEDCOVERS AI

Declarations

Reg. no. 014

AI Liability Insurance for small businesses

HSB announced AI liability cover for small and mid-sized businesses that fills holes where general liability policies exclude AI-related claims. It is to be delivered through partner carriers, subject to regulatory approval, with no launch date given.

Item 1
Published limit
Not published
Item 2
Type
Endorsement
Item 3
For
Companies that use AI
Item 4
How to buy
Through partner carriers
Item 5
Backed by
HSB (Hartford Steam Boiler Inspection and Insurance Company), part of Munich Re; specific issuing entity for partner-carrier policies not named
Item 6
Who it is for
SMB (survey defined small and medium businesses as up to 500 employees)
Item 7
Where
Not stated
Item 8
Launched
Not stated
Item 9
Risks named
IP and content claims, Bodily injury and property damage
Item 10
Record
Announced, not yet sold

What the sources don't say: Announced, not yet on sale: HSB says availability depends on insurance regulator approval and gives no launch date. The release says the cover will be added to partner carriers' policies but does not use the word endorsement. It does not state a territory, though it is datelined Hartford, Connecticut and its survey covered US businesses.

With Munich Re. Latest change 18 Mar 2026. Checked 21 Oct 2026.Sources: Munich Re / HSB
TRADE PRESS ONLYNOT YET CONFIRMEDREPORTED

What HSB's cover names

  • IP and content claims: AI Liability Insurance for small businesses (014)
  • Bodily injury and property damage: AI Liability Insurance for small businesses (014)

Risk names are our labels for what each source describes. Wording, sublimits and exclusions decide what a policy pays.

Change history

  1. HSB announces AI liability cover for small businesses

    Fills general liability gaps for AI-related injury, damage and advertising injury claims. Sold through partner carriers, pending regulatory approval.

    Source: Munich Re / HSB

Questions about HSB

Does HSB sell AI insurance?

Yes. The register lists 1 offering from HSB: AI Liability Insurance for small businesses (endorsement). Some details come from trade press or an announcement, as marked on each listing.

What limits does HSB publish?

HSB does not publish limits for the offerings we track. Limits are set at underwriting; ask a licensed broker.

How do you buy HSB's AI cover?

AI Liability Insurance for small businesses: Through partner carriers. We do not sell insurance or take commissions.

Sources

  1. 1HSB Introduces AI Liability Insurance for Small Businesses
    Munich Re / HSB, 18 Mar 2026

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