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AI Insurance

The AI Insurance Split: Big Carriers Exclude, Startups Fill the Gap — What Underwriters and Brokers Need to Know

In January 2026, Verisk's ISO Form CG 40 47 gave carriers a standardized way to exclude generative AI from commercial policies. 82% of global P&C policies now carry AI exclusions. Meanwhile, Armilla, Testudo, and Munich Re are building a $4.8B AI insurance market. Here is what the split means for underwriters, brokers, and every company deploying AI agents.

Michael Guiao

12 min read

The AI Insurance Split: Big Carriers Exclude, Startups Fill the Gap — What Underwriters and Brokers Need to Know

blog.featured

The Resilience Stack™: A Five-Layer Framework for Cyber Insurance Risk Assessment

Resilience Stack ·

12 min read

The AI Insurance Split: Big Carriers Exclude, Startups Fill the Gap — What Underwriters and Brokers Need to Know

AI Insurance ·

12 min read

The Cyber Insurance Submission Crisis: 7 Reasons Brokers Can't Afford Manual Risk Assessments in 2026

Cyber Insurance ·

6 min read

Cyber Risk Quantification Tools 2026: The $50K Gap Between Free and Enterprise

Cyber Risk Quantification ·

4 min read

Premium Report

2026 Cyber Risk Landscape Report

24 pages of threat analysis, claims data, and underwriting implications for European cyber insurance.

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