Fordel StudiosAI is too risky to insure, say people whose job is insuring risk
What Happened
Major insurers including AIG, Great American, and WR Berkley are asking U.S. regulators for permission to exclude AI-related liabilities from corporate policies. One underwriter describes the AI models’ outputs to the FT as "too much of a black box."
Our Take
Insurers are saying "we don't understand the risk." Which is honest. When your model hallucinates and gives someone wrong financial advice that costs them $100K, who's liable? You? The model maker? AIG doesn't know, so they're opting out entirely. The moment insurance becomes expensive or unavailable, deploying AI moves from "exciting" to "risky business decision."
Expect corporate AI adoption to plateau hard until insurance catches up. And when it does, premiums will be punishing because they're pricing in massive uncertainty. This isn't tech news—it's the moment real-world liability catches up with AI hype.
What To Do
Get your legal and insurance people in the room before you deploy any AI system touching customer decisions.
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