AI Liability May Shift to Cyber Insurance as Other Lines Exclude Risk, Ryan Specialty Says

• AI liability may migrate into cyber and technology errors and omissions insurance as adjacent liability lines introduce exclusions, the analysis found.
• Most cyber carriers remain silent on AI coverage, leaving insurers exposed to claims their policies were not designed or priced to cover.
• A small but growing group is introducing AI exclusions or limits, potentially narrowing coverage at renewal.
• Standalone AI insurance remains small, offering limits of $1 million to $50 million against a cyber market generating tens of billions in premiums.
• Brokers should secure explicit coverage terms, particularly for autonomous AI actions that may fall outside traditional cyber policy triggers.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Ryan Specialty Holdings Inc. published the original content used to generate this news brief on November 04, 2026, and is solely responsible for the information contained therein.