What's happening
AI is the biggest thread in the new stories, but the tone has shifted from tools to terms. Vendors such as Vertafore are shipping AI agents to check policies. Meanwhile, insurers are being told to explain underwriting decisions up front and to retest their models often. Marsh's CEO warned that broad AI exclusions in policies could leave buyers uncertain about what is covered, and Coalition expects AI-driven incidents to grow once attackers find a business model that works. Cyber cover is also under scrutiny after a cyberattack on French supermarkets that insurers say is unlikely to pay out for food losses.
Why it matters
Insurers are adopting AI faster than the policy wording and the rules around it are settling, which leaves gaps for both customers and carriers. Cyber and AI exclusions look set to become a point of friction, especially for small businesses that are slow to buy cover while risks rise. Watch for clearer AI wording in policies and for more embedded products, like Zurich's ticket cover with Hakuna, that put insurance in front of buyers at the point of sale.