Does my insurance cover AI?
Pick how your company uses AI and which policies you hold. You will see where AI risk tends to land, which exclusions to look for, and the question to put to your broker.
A guide to reading your own wording, not a coverage opinion. Nothing you pick is stored or sent anywhere.
Where your AI risk usually lands
Pick at least one use of AI and one policy to see the map.
Questions
Does general liability insurance cover AI?
It depends on the wording. Many older general liability policies say nothing about AI. Since January 2026 insurers can attach ISO generative AI exclusions (CG 40 47, CG 40 48, CG 35 08), which remove claims arising out of generative AI from parts of the cover, so check your forms schedule.
Does professional liability or tech E&O cover generative AI?
Some wordings now say so expressly, such as the affirmative AI wording added by Embroker, Counterpart, Hiscox and CFC. Others are silent, and some exclude AI. The definition of professional services decides whether work done with AI is covered.
Is this a coverage opinion?
No. It is a guide to reading your own policies. Your policy wording, your insurer and your broker decide coverage. Nothing you pick is stored or sent anywhere.
Want the detail behind the checker? Read does tech E&O cover AI and the AI exclusions tracker.