AI wording
Affirmative in cyber and Tech E&O
Endorsements
AI Voluntary Shutdown; AI Regulatory Defence
Confirmed
September 2026
Owner
Zurich (from October 1, 2026)
What it covers
- Affirmative AI cover in cyber and Tech E&O for the insured's own use of AI
- Business interruption and costs when you suspend your own malfunctioning AI (Voluntary Shutdown endorsement)
- Regulatory investigations and fines from unintentional AI misuse (Regulatory Defence endorsement)
Watch out for
- Beazley's own cyber leadership has said the current cover addresses the insured's own use of AI; failure of AI sold as a product is not what it insures
- That distinction is exactly the builder versus deployer split, and it decides which market we approach
Who it fits
- Companies deploying AI in their own operations
- Buyers who want AI addressed inside a mainstream cyber and E&O placement
Who it does not fit
- AI product builders whose core exposure is their model's performance for customers
Frequently asked questions
Why does Beazley matter in AI insurance?
Because it is a large, rated specialty carrier affirming AI in standard lines, not a niche programme. For many deployers, that is the practical answer: the cover inside the policy they already buy.
Source: Program details from Beazley's published releases (September 17 and 24, 2026) as compiled in our research checked November 14, 2026.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.