• Brown & Brown expects AI-related liability claims to become more prominent over the next three to five years, increasing underwriting scrutiny.
• Limited claims history currently constrains insurers’ assessment of AI exposures; accumulating loss data will guide pricing, policy terms and capacity.
• A major systemic AI incident could accelerate coverage changes, with shared technology providers exposing multiple businesses to simultaneous losses.
• Third-party AI tools do not necessarily transfer liability; contractual limits can restrict businesses’ ability to recover losses from providers.
• Stronger AI governance, vendor oversight and employee training may help businesses demonstrate risk quality as underwriting expectations evolve.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Brown & Brown Inc. published the original content used to generate this news brief on October 27, 2026, and is solely responsible for the information contained therein.