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See where your current insurance stack doesn't cover AI.

Gap heatmap across GL / E&O / Cyber / EPL / D&O / Product / Tech-E&O / Media. Top exclusion risks flagging Verisk CG 40 47 and CG 40 48. Product shopping list (Armilla, Munich Re aiSure, AXA XL, Vouch, Testudo). Twelve questions for your broker.

General informational guidance — not insurance, legal, or financial advice. We are not a broker, take no commissions.

Why now

The 2026 endorsement cycle just hit.

  • Why now

    Verisk CG 40 47 / CG 40 48 take effect Jan 1, 2026.

    Both endorsements broadly limit AI liability under CGL. The wizard flags exposure for your specific use cases and US jurisdictions.

  • Silent AI

    Cyber forms haven't caught up.

    Most cyber forms still treat AI as silent — neither covered nor excluded. The fix is an affirmative-AI endorsement at renewal. We tell you when to push for it.

  • No commissions

    We are not a broker.

    No carrier sponsorships, no placement commissions. The point is honest gap detection — independence is the whole product.

Who this is for

Built for the moment AI insurance becomes a board topic.

  • CFO / Finance

    You need a defensible board memo on AI insurance posture. Heatmap + top exclusions + premium-impact range gets you there in 5 minutes.

  • General Counsel

    You want exact policy language to search for and citations to specific endorsements. Every flag has both.

  • Chief Risk Officer

    You need a structured gap register that maps to NIST AI RMF and your existing risk taxonomy.

  • Insurance broker

    You want a tool that pre-qualifies your AI conversation with a corporate client. Use it to scope, not to compete with placement.

Integrity

We are not a broker. No commissions. No carrier sponsorships. Every exclusion cited.

Every exclusion flag cites a specific Verisk endorsement, court case, or carrier publication. The methodology page lays out every rule, the data sources, and the expert review attestation.

Read full methodology

FAQ

Common questions about AI insurance coverage.

What does the Buzzi.ai AI Insurance Coverage Gap Assessment tool do?

It maps your current insurance stack (CGL, E&O, Cyber, EPL, D&O, Product, Tech E&O, Media) against your AI use cases, jurisdictions, vendor posture, and contract hygiene. The output is a 10×8 gap heatmap, top exclusion flags with citations, a product shopping list, and 12 broker-conversation questions.

What is Verisk CG 40 47?

A Verisk-published CGL endorsement that broadly excludes AI-related liability. Effective Jan 1, 2026. When attached to your CGL renewal, claims arising from AI-driven decisions or generative outputs are typically excluded.

What is Verisk CG 40 48?

A more limited CGL endorsement on AI exposure with explicit carve-outs. The carve-outs determine whether specific AI features are covered. Read the language carefully.

What is a "silent AI" exclusion in cyber insurance?

Most cyber forms still neither affirmatively cover nor explicitly exclude AI exposure — carriers may assert ambiguity at claim-time. The fix is an affirmative-AI endorsement on your cyber renewal.

Are my AI use cases covered under my E&O policy?

Generally yes for professional errors, but newer Tech E&O often layers on better. Custom fine-tuning, training-data IP, and content-generation outputs may sit between policies.

When should I add a cyber rider for AI?

When you process customer data through AI, when you store training data, or when AI is involved in any incident-response chain. The affirmative endorsement removes ambiguity.

What AI-specific insurance products exist in 2026?

Armilla, Munich Re aiSure, AXA XL AI E&O, Vouch AI, Testudo, Chubb AI Liability, Travelers CyberRisk + AI, Beazley InfoSec + AI, plus carrier-specific endorsements. Coverage scopes differ — read the fact sheets.

Should I buy AI insurance directly or through a broker?

Through a broker, in most cases. Brokers know carrier appetite, can negotiate carve-outs, and place coverage that matches your risk register.

How is insurance premium calculated with AI exposure?

Underwriting submissions ask about AI use cases, vendor stack, MRMs, and incident history. Premium ranges depend on industry, revenue, and historical loss — our tool surfaces an illustrative range, not a binding quote.

What case law has shaped AI insurance coverage?

Bartz v. Anthropic (2025, training-data IP), Air Canada v. Moffatt (2024, AI agent making promises), Mata v. Avianca (2023, AI hallucination in legal filing). Each shifts the placement and exclusion conversation.

When will new AI insurance endorsements drop?

Verisk CG 40 47 / CG 40 48 effective Jan 1, 2026. Carrier-specific affirmative endorsements arrive monthly. Subscribe to the Buzzi quarterly landscape for updates.

What state-level differences affect AI insurance coverage in the US?

Colorado AI Act, NYC LL 144 (employment), California SB 53, Illinois BIPA. Each adds liability or compliance friction that impacts EPL, D&O, and regulatory-fines coverage.

How do international jurisdictions differ?

EU AI Act adds risk classification and liability. UK, Canada, Australia, Singapore have their own regimes — each creates jurisdiction-specific exposure.

Can Buzzi.ai recommend a broker?

No — we do not take commissions. We can prepare you for the broker conversation with the right exclusion citations, gap matrix, and product shortlist.

Why doesn't Buzzi.ai take commissions on insurance products?

Independence. The whole point is honest gap detection. Commissions would create a conflict of interest with the user.

Buzzi services

AI exposure scoping for your next board cycle.

We help CFOs, GCs, and CROs prepare for the 2026 endorsement cycle — risk register integration, board-deck framing, and broker brief preparation.

Book a 30-min consult