Will your insurance cover AI? Check before you renew.

Name: AI & robotics exclusion tracker
Creator: Risklytics
Published: 2026-09-17
License: https://www.risklytics.ai/ai-exclusions/about-the-data/

Most insurers added a page that lets them deny a claim when AI played a part.

33large insurers exclude AI

49states have AI exclusions on file

736filings with AI exclusions

About the data · Spotted a change? Tell us.

Popular

The Hartford

Excludes AI claims on umbrella, general liability, and package policies in 40 states.

40states

3policy types

Ownwording

States where Hartford excludes AI claims.

For a robot maker, general liability is the policy that pays when a machine hurts someone or breaks something.

Ask for the page removed at renewal, or get a quote from an insurer that covers AI.

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Package policies40 of 52

Umbrella37 of 52

General liability23 of 52

Package policies (several lines). Umbrella (the extra layer on top). General liability (someone gets hurt, something breaks).

Who excludes AI.

Click a bar to see more.

Checking The Hartford · Change

I build

Robots and machinesDronesDevices with softwareAI softwareAnything AI

My company is in

30 insurers exclude AI on the policies makers of robots and machines carry.

40 36 17 12 12 12 12 12 11 11 11 11 11 10

Hartford Zurich Utica National AIG Crum & Forster Great American Intact Liberty Allianz AmTrust AXA XL Selective Tokio Marine Berkshire

Where.

Click your state to see more.

Checking The Hartford · Change

Number of insurers excluding AINone1 to 56 to 1516 to 2526 and up

Illinois

28 insurers exclude AI claims here.

Tokio MarineUmbrella, General liability, Cyber and tech E&O, Package policies Great American Insurance GroupFarm, Umbrella, Business owner's policy, General liability, Package policies Liberty MutualUmbrella, General liability, Package policies Utica National Insurance GroupProfessional, Business owner's policy, Umbrella, Package policies Selective Insurance GroupUmbrella, General liability, Business owner's policy, Package policies Berkshire HathawayBusiness owner's policy, General liability, Package policies The HartfordUmbrella, General liability, Package policies

Compare two.

The one you have against the one you are quoted.

against

Both exclude AI in 33 states. Only Hartford in 7, only Zurich in 3. Neither in the rest.

AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY GU

The HartfordZurich North AmericaNeither

Information reflects publicly available state insurance filing records as of September 16, 2026. Insurer names are trademarks of their respective owners; we use them here only to identify filings. Opinions about insurers, their forms and their exclusions are Risklytics' own. Always verify current details with the insurer or your broker before making coverage decisions.