Why it matters for your company
Examples reported in 2026 include a cyber product with affirmative AI cover at limits up to $10M (Insurance Journal, 2026-04-21) and AI liability insurance for small businesses from a reinsurer-owned specialty insurer (2026-03-18). The market is young, limits are modest and the definitions differ from product to product.
Affirmative does not mean unlimited. Read the trigger, since some forms respond only to named failures such as hallucination or model drift, and read for a sublimit carved from the main limit. For an AI company it is the direction to buy in, and wording still governs.
Related terms
- Silent AIAI-related risk that a policy neither expressly covers nor expressly excludes, so whether it responds depends on how general wording is read after a loss. The term borrows from silent cyber.
- Generative AI exclusionAn endorsement that removes coverage for claims arising out of generative artificial intelligence. Standard-form versions for general liability, including one for products and completed operations, took effect in January 2026.
- SublimitA smaller cap inside a policy's main limit that applies to one kind of loss. A $3M cyber policy with a $250,000 sublimit for social engineering pays no more than $250,000 for that claim.
- Agentic AIAI systems that take actions on their own toward a goal, such as sending messages, moving money or calling other software, rather than only producing text for a person to act on. Insurers treat them as a distinct exposure.