Brown & Brown expects AI-related insurance claims to rise over next three to five years
BRO•Brown & Brown expects AI-related liability claims to become more prominent over the next three to five years, increasing underwriting scrutiny as insurers gather loss data to assess exposures.
1. AI liability outlook
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’ assessments; accumulating loss data will guide pricing, policy terms and capacity. The company said a major systemic AI incident could accelerate coverage changes, and noted that contractual limits can restrict businesses’ ability to recover losses from third-party AI providers.
