Every industry runs on AI now — but not in the same way, and not with the same exposure. A marketing firm's risk looks nothing like a hospital's or a contractor's. Find your vertical, see how AI actually shows up in your operations, and learn which coverage triggers matter most for you.
ELIGIBILITY · $10M+ ANNUAL REVENUE · PREMIUMS FROM $15K
BY INDUSTRYSAME TECHNOLOGY, DIFFERENT EXPOSURE IN EVERY FIELD
THE COMMON THREAD
EVERY INDUSTRY USES AI — AND MOST UNDERSTATE IT
Adoption is effectively universal. What changes from one industry to the next is where the AI sits, what it touches, and therefore which exposures dominate. The starting point is the same everywhere: you are using it more than you think.
~95%According to research from Bain & Company, roughly 95% of U.S. companies now use generative AI in some capacity — which means the question is almost never "do we use it," but "where, and is the exposure covered?"
INTERACTIVE · INDUSTRY EXPOSURE PROFILER
SELECT YOUR INDUSTRY. SEE WHERE THE RISK CONCENTRATES.
Each industry's exposure profile is different. Pick yours to see how AI is typically used, which triggers carry the most weight, and where to read more.
THE SHADOW-AI REALITY
WHATEVER YOUR INDUSTRY, IT'S ALREADY IN EVERY DEPARTMENT
Industry profiles describe the formal uses. The bigger surprise is usually informal — the AI your teams already reach for, in functions you may not be tracking. Run the scan.
WHY IT CUTS ACROSS ALL OF THEM
THE EXCLUSIONS DON'T STOP AT AN INDUSTRY LINE
No matter which vertical you sit in, the same shift in the standard forms applies — and the same affirmative solution does too.
ISO CG 40 47 / CG 40 48
ONE EXCLUSION, EVERY SECTOR
The standard-form generative AI exclusions, effective January 1, 2026, are not industry-specific. They can apply to a tech firm, a hospital, a marketing agency, or a contractor alike.
DIFFERENT TRIGGERS, SAME GAP
YOUR MIX IS UNIQUE; THE GAP ISN'T
Each industry leans on a different set of triggers, but all of them can fall into the same coverage gap when AI is silently excluded from the underlying policy.
SILENT vs AFFIRMATIVE
ONE ANSWER THAT FITS YOUR FIELD
An affirmative generative AI policy can be structured to your industry's actual exposure profile — covering the triggers that matter most for how you really use AI.
WHO WE PLACE THIS FOR
BUILT FOR ESTABLISHED BUSINESSES IN EVERY VERTICAL
This affirmative market is designed for companies at scale across industries — and as a specialty brokerage for hard-to-place risks, structuring coverage to an unusual operation is exactly what we do.
ELIGIBILITY AT A GLANCE
MINIMUM SIZE FOR THIS MARKET
$10M+Minimum annual revenue
$15KMinimum premium
THE FULL COVERAGE MAP
PART OF THE GENERATIVE AI INSURANCE STACK
Your industry profile points to specific triggers. Explore each one in the cluster.
DOES MY INDUSTRY EVEN USE ENOUGH AI TO WORRY ABOUT THIS?
Almost certainly. Research from Bain & Company indicates roughly 95% of U.S. companies use generative AI in some capacity, and most of that use is spread informally across departments. The question is rarely whether your industry uses AI, but where it shows up and whether the resulting exposure is covered.
WHY DOES THE EXPOSURE DIFFER SO MUCH BY INDUSTRY?
Because AI touches different things in different fields. A marketing firm's biggest exposure is often intellectual property and defamation from generated content; a hospital's is unauthorized disclosure of patient data; a contractor's leans toward bodily injury and property damage. Same technology, different triggers, which is why we profile your specific operation.
WE'RE NOT A TECH COMPANY. IS THIS STILL RELEVANT?
Yes. Some of the clearest exposures sit outside tech — in professional services, healthcare, financial services, and field operations — precisely because AI is being used to make or support real decisions that affect clients, patients, money, and physical safety. You do not have to build AI to carry the exposure of using it.
DO THE STANDARD-FORM EXCLUSIONS APPLY TO MY INDUSTRY?
They can. The ISO generative AI exclusions, effective January 1, 2026, are not written for any single industry — they let carriers carve AI exposures out of standard policies across the board. Whatever vertical you are in, it is worth confirming whether your current policies still respond to an AI-driven loss.
IS THERE A MINIMUM COMPANY SIZE FOR THIS COVERAGE?
Yes. This market is built for established businesses, with a minimum of $10 million in annual revenue and premiums starting at $15,000, across all industries. If you are below that threshold, reach out anyway and we will talk through your exposure and other options.
HOW DO I GET A QUOTE FROM KELLY INSURANCE GROUP?
Book an appointment or start an intake form and tell us your industry and how AI shows up in your operations. We profile the exposure to your vertical, map it to the right coverage triggers, and take a structured submission to the specialty markets writing affirmative AI coverage. Call or text (412) 212-2800.
Kelly Insurance Group is a specialty commercial insurance brokerage. This page is general information about generative AI exposures across industries and is not legal advice, a coverage opinion, or a guarantee that any policy will respond to a particular loss. Coverage triggers, terms, exclusions, and availability vary by carrier and by deployment; the ISO endorsements referenced (CG 40 47 and CG 40 48, effective January 1, 2026) are optional forms individual carriers may or may not adopt. The adoption figure cited reflects published research from Bain & Company. Industry exposure profiles and the scan are illustrative and generalized, not a substitute for a review of your specific operation. Always review the actual policy wording for terms, conditions, and exclusions.
SAME TECHNOLOGY, DIFFERENT EXPOSURE IN EVERY FIELD