HOW GENERATIVE AI INSURANCE WORKS
From finding where AI quietly lives in your business to a bound policy that actually responds — here is the whole path. How you qualify, what the proposal asks, and how an affirmative policy is built around the triggers that matter to you.
FROM SHADOW AI TO A POLICY BUILT TO RESPOND
FROM SHADOW AI TO A BOUND POLICY
Placing affirmative generative AI coverage is a structured process, not a form you fill in blind. Here is how we move from "we use AI somewhere" to a policy written around your real exposure.
FIND THE AI
An internal audit — conversations with your teams — surfaces where AI is actually used, including the informal, unmanaged uses.
PROFILE THE EXPOSURE
We map that usage to the coverage triggers: errors, IP, data disclosure, bodily injury and property damage, and autonomous action.
REVIEW GOVERNANCE
We document your controls — policy, human review, frameworks, logging — because they shape appetite and terms.
BUILD THE SUBMISSION
Your exposure and controls become a structured submission the specialty markets can underwrite with confidence.
GO TO MARKET
We position the risk with the carriers writing affirmative AI coverage and work the terms in your favor.
BIND & REVISIT
Coverage is bound — and revisited as your AI use grows, since the exposure rarely stands still.
ARE YOU A FIT FOR THIS MARKET?
Two quick questions tell you whether your business sits inside the band this affirmative market is built for. No pricing — just a clear read on eligibility and the next step.
THE QUESTIONS BEHIND THE PROPOSAL
A generative AI proposal is really a structured set of questions about how you use AI and how you control it. Knowing them ahead of time makes for a far stronger submission.
WHERE & HOW
Which functions use AI, for what, and whether outputs reach customers or the public.
AUTONOMY
Whether the AI takes actions on its own — the agentic question that drives scrutiny.
MODIFICATION
Whether you have fine-tuned, retrained, or substantially modified any model.
DATA TOUCHED
Whether AI handles personal, health, payment, or biometric information.
GOVERNANCE
Your usage policy, human review, framework alignment, and whether guardrails are intact.
RECORD-KEEPING
Whether you log inputs and outputs and disclose AI use to third parties.
WHAT'S INSIDE AN AFFIRMATIVE GENERATIVE AI POLICY
Select a layer to see what it does. The covered triggers map directly to the coverage parts in this cluster — the policy is built from them.
WHY THIS ISN'T JUST AN ENDORSEMENT ON SOMETHING ELSE
The reason this coverage stands on its own is the same reason the cluster exists: the old policies are being narrowed exactly where AI exposure is growing.
THE FORMS ARE NARROWING
Effective January 1, 2026, ISO endorsements let carriers carve generative AI out of standard liability policies — opening the gap a standalone policy is built to close.
WRITTEN TO RESPOND
Rather than hoping a silent policy reaches an AI loss, an affirmative policy names the exposure and is structured to answer it — defense, damages, and regulatory response.
SHAPED AROUND YOUR USE
Limits, retentions, and which triggers carry the most weight are set to your actual deployment — the specifics we work out together, not from a template.
BUILT FOR ESTABLISHED BUSINESSES READY TO MOVE
This affirmative market is designed for companies at scale. If that is you and AI touches your operations, the next step is a conversation — we handle the rest of the process from there.
EXPLORE THE WHOLE GENERATIVE AI INSURANCE STACK
This page ties the cluster together. Start anywhere — the hub, a trigger, or a conversation.
HOW GENERATIVE AI INSURANCE WORKS — QUESTIONS
WHAT DOES THE PROCESS ACTUALLY LOOK LIKE?
HOW MUCH DOES IT COST?
WHAT WILL THE PROPOSAL FORM ASK ME?
WHAT DOES AN AFFIRMATIVE POLICY ACTUALLY COVER?
WHY NOT JUST RELY ON MY EXISTING POLICIES?
HOW DO I GET STARTED WITH KELLY INSURANCE GROUP?
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