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.
Leading the way with research-driven coverage
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
Where do you turn when AI goes Wrong?
Bodily injury
When AI automation went awry
A business used an AI-powered cleaning robot throughout the day. When the system misread its surroundings, it unexpectedly collided with a customer, resulting in bodily injury.
Result: The customer sought compensation for medical expenses, lost wages, and related damages.
HSB AI liability coverage can help respond to certain claims involving bodily injury caused by a business’s use of AI tools, helping protect the business from unexpected financial loss.
Property damage
When AI systems caused property damage
A business used AI-enabled systems to help manage operations. When one system malfunctioned, it triggered an unintended sprinkler that caused damage to the business property and nearby customer belongings. The incident disrupted normal operations and led to repair costs, cleanup expenses, and claims from affected customers.
Result: The business faced unexpected expenses and potential liability for property damage connected to its use of AI-enabled equipment.
HSB AI Liability insurance covers property damage by responding to certain claims involving physical damage caused by a business’s use of AI tools, helping reduce the financial impact of an unexpected event.
Copyright infringement
When AI-generated content creates copyright risk
A business used generative AI tools to create written content and images for routine customer communications. After the content was shared, another company claimed it included copyrighted material used without permission.
Result: The business faced a copyright infringement claim, along with potential legal fees, settlement costs, and reputational concerns.
HSB AI Liability insurance copyright infringement coverage responds to certain claims involving AI-generated content, helping protect the business from unexpected legal and financial consequences.
