Eighty-five percent of insurance executives said they believe AI will strengthen customer trust but only 40% of policyholders agree, according to The State of AI in P&C Insurance Communication 2026 from Hi Marley.
AI drivers respond to potential accidents in a different way than humans do, and it is tough to audit after the fact, according to an industry trade association and an executive of a U.K. insurance platform.
As market conditions improve in some areas, carriers may be tempted to loosen those requirements, warns Paul Vacquier, CEO of Beagle Services.
AI is fueling a surge in data-center construction and a rise in cyber incidents. Insurance companies should have a response to both of these trends.
An underwriter needs to understand where the limits sit, who owns the outcome, how quickly a person can intervene and whether the company can reconstruct what happened after something goes wrong.
The coverage, which experts say will not completely replace standard commercial insurance, centers on definable characteristics from service-level agreements between owners and tenants.
