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查看你当前的保险组合在哪些方面未覆盖 AI。
涵盖 GL / E&O / Cyber / EPL / D&O / 产品 / Tech-E&O / Media 的缺口热度图。重点排除风险标注 Verisk CG 40 47 与 CG 40 48。产品采购清单（Armilla、Munich Re aiSure、AXA XL、Vouch、Testudo）。十二个供你向经纪人提问的问题。
通用信息指引——非保险、法律或财务建议。我们不是经纪人，不收取任何佣金。
为什么是现在
2026 批单周期已经到来。
为什么是现在
Verisk CG 40 47 / CG 40 48 于 2026 年 1 月 1 日生效。
两份批单都广泛限制 CGL 项下的 AI 责任。向导针对你的具体用例和美国司法管辖区标注风险敞口。
沉默的 AI
Cyber 保单尚未跟上。
大多数 Cyber 保单仍将 AI 视为沉默——既不承保也不排除。修复方式是在续保时加上肯定式 AI 批单。我们告诉你何时该力争。
无佣金
我们不是经纪人。
无承保人赞助、无投保佣金。重点是诚实的缺口检测——独立性就是产品本身。
适用人群
为 AI 保险成为董事会议题的那一刻而打造。
CFO / 财务
你需要一份关于 AI 保险态势的可辩护董事会备忘录。热度图 + 重点排除 + 保费影响区间，5 分钟到位。
总法律顾问
你想要可搜索的精确保单措辞和具体批单的引用。每个标记都附带两者。
首席风险官
你需要一份与 NIST AI RMF 及现有风险分类相对应的结构化缺口登记表。
保险经纪人
你想要一个工具，预先资格审查你与企业客户的 AI 对话。用它来定范围，而非与投保竞争。
常见问题
关于 AI 保险覆盖的常见问题。
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.