Learning Center · AI and insurance
Where does an AI agent loss land?
An AI agent acts on its own and causes a loss. It may fall to cyber, to D&O, to professional indemnity, or between them. Whichever policy responds, the claim turns on the same four facts.
The buyers
Risk managers rank AI first. The wordings are only starting to name it.
AI use is the top medium-term risk for corporate risk managers, and enters their near-term top five for the first time.
FERMA and PwC Global Risk Manager Survey 2026, 5 October 2026potential insurance lines that may respond to more than a dozen AI perils, in a figure RAND cites.
RAND, The Insurability of Artificial Intelligence, September 2026The lines
The market is answering one line at a time.
CFC added enhanced affirmative AI cover to its cyber policy, “to provide clarity and confidence”.
CFC, 6 October 2026Beazley launched AI Voluntary Shutdown: protection for organisations that suspend their own malfunctioning AI systems.
Beazley, 24 September 2026In a Lloyd’s market survey of AI loss scenarios, 144 managing-agent responses rated professional indemnity as the highest potential impact.
Lloyd’s Market Association, January 2026HSB introduced AI liability coverage that protects small and medium-sized businesses from lawsuits.
HSB, Munich Re, 18 March 2026The same four facts
Every line asks the same questions.
- When did the agent drift?The moment it acted outside what it was allowed to do.
- Who stopped it, and when?A named person, at a recorded time.
- Did they hold the authority?At that moment, not when the agent was set up.
- What ran afterwards?Every action after the stop, allowed or refused.
The record
Regulayer™ answers all four from one sealed record.
Regulayer™ checks a named person’s authority at the moment the AI acts, stops what falls outside it, and seals every decision as it happens. Anyone can verify the record offline, without us. With the insured’s agreement, the insurer watches the same record live through the Transponder™. Regulayer™ supplies the evidence; the insurer makes the determination.