For buyers and brokers
Check Where Your Insurance May Not Cover AI Claims
The Mayflower Specialty coverage gap check asks up to nine questions about how a company uses AI and which policies it holds, then shows where an AI claim may fall outside its current program and which Mayflower module is written for that gap. The check is free, asks for no contact details and gives general information rather than a review of policy wording.
- Questions
- Up to nine, one per screen
- Cost
- Free, with no account
- Your answers
- Kept in this browser tab
- Result
- Each gap mapped to a module
Up to nine questions
How the Check Works
Answer up to nine questions, one per screen: six about how your company uses AI and up to three about the insurance it carries. The results list the gaps your answers point to, explain each with a real case or rule and name the Mayflower module written for it, and your answers are kept in this browser tab throughout.
How you use AI ยท 1 of 9
Silent AI and AI exclusions
Why Existing Policies May Not Answer an AI Claim
An existing D&O, EPL or E&O policy can fail to answer an AI claim in two ways: it can be silent on AI, which leaves the answer to argument after the loss, or it can exclude AI outright. Many policies in force today say nothing about AI and insurers have begun adding AI exclusions at renewal, so it is a good idea to read the wording before a claim tests it.
The coverage gap check places your own program between silence, exclusion and affirmative cover and names the module written for each gap it finds, which makes it a sensible first step before your next renewal.
Run the check- Silent AI
- Silent AI is the uncertainty that arises when an insurance policy neither covers nor excludes losses caused by artificial intelligence. Whether such a policy responds to an AI claim is left to argument after the loss, which is why insurers are now adding explicit AI exclusions or affirmative AI coverage.
- AI exclusion
- An AI exclusion is policy wording that removes cover for claims connected to artificial intelligence, ranging from narrow carve-outs for generative AI output to absolute exclusions for any use of AI. Verisk's ISO generative AI exclusions for commercial general liability took effect in January 2026, and similar language has appeared in management and professional liability forms.
Source: Business Insurance, April 7th 2026; Hunton Andrews Kurth, Insurance Recovery Blog, May 28th 2025
In the glossary: AI exclusion- Affirmative AI coverage
- Affirmative AI coverage is insurance wording that names claims arising from artificial intelligence and addresses them expressly, so that the answer to an AI claim is set out in the policy rather than argued over after a loss.Mayflower writes affirmative AI coverage as a modular primary policy or as a difference-in-conditions layer over the program a company already carries.
3
standard ISO generative AI exclusions for general liability took effect in January 2026: CG 40 47, CG 40 48 and CG 35 08
24
AI-related securities class actions were filed in 2026 by September 23rd, nearly 14% of all new filings
72%
of S&P 500 companies flagged AI as a material risk in annual reports filed in 2025, up from 12% in 2023
The questions
What the Check Looks At
Six questions cover how your company uses AI, because each use creates a different kind of claim. Up to three more cover the insurance you carry, because the wording of those policies decides whether an AI claim finds cover.
How you use AI
- 01
Customer-facing generative AI
A wrong answer given to a customer can become a claim against the company that deployed the tool.
- 02
AI in hiring and workforce decisions
Screening and ranking tools can lead to discrimination claims from applicants and employees.
- 03
AI sold to clients
Clients who rely on an AI product or an AI-assisted service can claim for the losses its errors cause.
- 04
AI agents with authority to act
An agent that changes records or moves money can cause a loss before anyone reviews its work.
- 05
AI in investor communications
Overstating AI to investors has led to SEC enforcement and to securities claims.
- 06
EU and Colorado exposure
The EU AI Act and Colorado's law on automated decisions both add obligations in 2027, and the EU rules can apply to companies outside the EU.
Your current insurance
- 07
Policies in force
Which of D&O, EPL, E&O and cyber you carry decides where an AI claim would land.
- 08
Changes at renewal
Insurers have begun adding AI exclusions and questions about AI use when policies renew, so the last renewal is the first place to look.
- 09
AI wording
A policy that says nothing about AI leaves the answer to an AI claim to be argued after the loss.
Gaps and modules
The Gaps the Check Looks For
Each gap is a place where a standard D&O, EPL, E&O or cyber policy may not answer an AI claim. The check flags the ones your answers point to and names the Mayflower module written for each, subject to the policy terms.
AI That Answers Your Customers
When a chatbot or other AI tool gives a customer wrong information, the customer can bring a claim against the company that deployed it, much as if an employee had given the wrong advice.
AI in What You Sell to Clients
Clients who rely on an AI product or an AI-assisted service can claim for the losses its errors cause, and technology and professional E&O wordings may be silent on AI or exclude it.
AI Agents That Act Without Approval
An agent that can change records or send messages without review can make a mistake nobody catches until the damage is done, and a mistake that costs a client or business partner money can become a claim against the company.
AI in Hiring and Workforce Decisions
Applicants and employees can bring discrimination claims over decisions an AI tool helped make, and both the employer and the tool's vendor can be drawn into them.
What You Tell Investors About AI
Statements that overstate a company's AI, known as AI-washing, have led to SEC enforcement and to securities claims against companies and their directors and officers.
AI Rules in the EU or Colorado
New AI rules raise the standard a company's oversight of AI is measured against, and they can lead to regulatory investigations and to claims that the board failed to oversee compliance.
An AI Exclusion in Your Current Program
An AI exclusion removes cover your company may have relied on for years, and the broadest versions apply to any claim connected with AI, whoever used it.
Policies That Say Nothing About AI
A policy that neither covers nor excludes AI leaves the answer to an AI claim to be argued after the loss, often while defense costs mount.
Relying on Cyber Insurance for AI Claims
Cyber insurance is built for security events such as a breach or a ransomware attack, while many AI claims involve no breach at all: they arise when a model makes a decision or recommendation that harms a customer, an applicant or an investor.
How the Results Are Worked Out
The check follows fixed rules rather than a model, so the same answers always give the same result. Each answer about how you use AI maps to an exposure and to the line of insurance that would usually answer it: D&O for the board and investors, EPL for decisions about people and E&O for work done for clients. Your insurance answers then decide whether that line is missing, possibly excluded, silent on AI or expressly covered, and every gap in the results lists the answers that produced it.
A likely gap means you described an AI exposure and either carry no policy for it or mentioned an AI exclusion. A possible gap means the policy you carry may be silent on AI, or you were not sure what it says.
Run the checkSources used in the check
- Moffatt v. Air Canada, 2024 BCCRT 149 (Civil Resolution Tribunal of British Columbia, February 14th 2024)
- Mata v. Avianca, Inc., opinion and order on sanctions (U.S. District Court for the Southern District of New York, June 22nd 2023)
- Understanding AI exposures: AI loss scenarios survey results (Lloyd's Market Association, 2025)
- AI coding tool Replit wiped a database during a code freeze (Fortune, July 23rd 2025)
- Mobley v. Workday, case record (Civil Rights Litigation Clearinghouse, Collective conditionally certified May 16th 2025)
- Automated employment decision tools (Local Law 144) (NYC Department of Consumer and Worker Protection, Enforced from July 5th 2023)
- Illinois Department of Human Rights withdraws proposed AI in employment rules (Burke, Warren, MacKay & Serritella, June 16th 2026)
- Securities class action filings surge in the first half of 2026 (Cornerstone Research, July 29th 2026)
- DOJ and SEC send warning against AI-washing with charges against technology startup founder (DLA Piper, April 2025)
- Regulation (EU) 2024/1689 (the AI Act), Article 2(1)(c) (EU AI Act, Official Journal of the EU, In force August 1st 2024)
- Regulation (EU) 2026/1744 amending the AI Act (Regulation (EU) 2024/1689) (AI Act amendments, Official Journal of the EU, In force July 27th 2026)
- Colorado SB 26-189 (Colorado General Assembly, Signed May 14th 2026)
- The continued proliferation of AI exclusions (Hunton Andrews Kurth, Insurance Recovery Blog, May 28th 2025)
- Insurers, brokers adjust as AI exclusions emerge (Business Insurance, April 7th 2026)
- ISO's generative AI exclusion is already on thousands of CGL policies (Insurance Business, September 16th 2026)
- AI-related securities suit filings continue to surge (The D&O Diary, September 23rd 2026)
- AI risks disclosed by S&P 500 companies (The Conference Board, October 6th 2025)
Questions
Frequently Asked Questions
Short answers about the check, what to do with its results and AI wording in existing policies.
Does my existing insurance cover AI claims?
What should I do with the results?
Is the coverage gap check a coverage opinion?
What happens to my answers?
Can a broker run the check for a client?
Next step
Take Your Results to an Application or a Conversation
The online application mirrors Mayflower's supplemental application and saves as you go, and completing it does not bind coverage. If you would rather talk the results through first, send a short message.
Mayflower's underwriting team responds within 48 hours.