HSB AI Liability Insurance

Coverage equipped for what’s next

Insurance that thinks ahead

AI is reshaping how businesses operate, with new risks and coverage gaps constantly emerging. At HSB, we bring human intelligence to AI risk — anticipating change, identifying gaps, and helping businesses stay ahead.

The Insurance Services Office (ISO) recently introduced AI insurance exclusions under commercial general liability policies. These exclusions can leave businesses without coverage for claims arising from generative AI outputs.

HSB helps businesses keep pace with coverage changes. This liability product covers a wide range of risks posed by AI, including bodily injury, property damage, and personal and advertising injury.

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2026

HSB Introduces AI Liability Insurance for Small Businesses

Leading the way with research-driven coverage

Our recent survey of micro, small, and medium-sized businesses revealed the widespread adoption of AI. By studying exposures, we can design coverages for businesses adopting and developing AI tools into their workflows.

74%

of small to mid-sized businesses already use AI

91%

plan to expand their use of AI tools in the future

47%

of businesses apply AI in marketing alone

#1

AI-related concern is copyright infringement

Protect businesses against AI risks and coverage gaps

Backed by our expertise and research-driven approach, HSB provides coverage designed for evolving risks — so businesses can feel equipped to handle whatever comes next.

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