AI Vendor Insurance Gap Checklist

AI exclusions are the fine print nobody reads.

Many 2026 cyber insurance policies include AI exclusions that most policyholders discover only after filing a claim: if a data breach is caused by an employee inputting proprietary code or customer data into an unauthorized AI tool, or if a company's own custom AI system causes a financial loss, standard policies might not cover it. This checklist walks through the specific coverage questions worth confirming in writing with your insurer or broker before an incident, rather than after, including the compounding complication that AI vendor risk often sits across cyber, E&O, privacy, and contractual liability simultaneously.

• →Weights the specific, commonly-cited 2026 exclusion scenarios — employee AI misuse and internal AI-caused losses — most heavily
• →Covers third-party AI vendor risk spanning cyber, E&O, privacy, and contractual liability simultaneously
• →Includes the MFA coverage-requirement check most insurers now enforce for full 2026 policy coverage
• →Prompts documenting identified gaps with an explicit decision, rather than leaving them unnoticed
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