What it does
An affirmative grant for the physical side: bodily injury from an AI system's use, property damage from AI-generated instructions, and personal and advertising injury in AI-generated content, sold to businesses from one to five hundred employees through partner carriers. No limits are stated. For a small robotics or AI company on a partner carrier's package policy, this is the kind of endorsement that answers a generative AI exclusion on the general liability form, and worth asking whether the carrier offers it.
Where it applies
Pending regulatory approval per the release; distributed only through partner carriers.
Source
Munich Re / HSB, "HSB Introduces AI Liability Insurance for Small Businesses", 2026-03-18. Last checked 2026-09-12. If the source has changed or you hold a copy of the form, write to us and we will correct the row.
Cite this row: Risklytics, “HSB AI Liability Insurance”, AI exclusions tracker, https://www.risklytics.ai/ai-exclusions/hsb-ai-liability-insurance/, reviewed 2026-09-12; tracker revised 2026-09-12.