Artificial intelligence is reshaping how businesses operate and how insurance responds. As generative AI, automated decision-making and agentic systems become embedded across the economy, insurers face two related priorities: understanding the liability and accumulation risks already developing within portfolios, and building affirmative insurance solutions that support a rapidly evolving technology market.
While AI introduces new liability and accumulation challenges, it's also creating opportunities for insurers to develop new products, expand coverage offerings and support rapidly evolving technology businesses. Gallagher Re helps clients identify these exposures, bring clarity to coverage intent and develop sustainable risk transfer solutions for this growing market.
Why this matters now
AI adoption is accelerating across every sector of the economy. Organisations are embedding large language models, automated decision-making tools and autonomous workflows into their products and operations. This creates new liability exposures, but it also raises a more immediate portfolio question for insurers: where might AI-related losses already be covered silently under existing policies?
At the same time, insurers are facing growing uncertainty around:
- The response of existing policies to AI-related losses.
- The impact of AI exclusions and coverage restrictions.
- Silent AI exposure across existing portfolios.
- Accumulation and systemic risk arising from common technology dependencies.
- Demand for affirmative solutions from policyholders seeking certainty around coverage.
The result is a market at an inflection point. Insurers must balance innovation and growth with disciplined risk management, while clients require greater clarity around protection and coverage intent.
How we help
1. Product and market development
The insurance market is still determining how AI-related liabilities should be addressed. Some exposures may be accommodated within existing lines, while others may require entirely new insurance products.
AI is creating both new risks and new insurance markets. Gallagher Re works with insurers, reinsurers and MGAs to evaluate emerging exposures while supporting the development, refinement and launch of sustainable insurance and reinsurance solutions for this growing area.
2. Silent AI reviews
AI exposure may already exist across casualty, cyber, professional liability, financial lines and other portfolios, even where policies were not designed with AI-related losses in mind. Gallagher Re helps insurers and reinsurers identify where silent AI exposure may arise, assess the impact of evolving exclusions and develop practical remediation strategies.
- Portfolio reviews
- Wording benchmarking
- Exclusion analysis
- Coverage gap assessments
- Strategic remediation recommendations
The objective is straightforward: improve clarity, reduce unintended exposure and support more consistent underwriting, claims and capital decisions.
3. Risk quantification and accumulation analysis
One of the most significant challenges facing the industry is understanding concentration risk.
AI systems often rely on a relatively small number of models, platforms and infrastructure providers. A failure, error or systemic issue affecting a common dependency could create correlated losses across multiple industries and insurance portfolios.
Through scenario-based analysis, exposure assessment and reinsurance market insight, Gallagher Re helps clients evaluate emerging accumulation and systemic risk scenarios.
4. Reinsurance solutions
As AI underwriting grows, insurers require capital and reinsurance structures capable of supporting confidence and long-term sustainability.
Gallagher Re helps clients assess portfolio exposure, optimise risk transfer strategies and access appropriate reinsurance support for emerging technology risks.
Why Gallagher Re
Artificial intelligence sits at the intersection of technology, cyber, professional liability, casualty and reinsurance. Addressing these risks requires a multidisciplinary approach.
Gallagher Re is actively supporting insurers, reinsurers and MGAs as they evaluate AI liability exposures, review silent AI risk and develop new insurance solutions. This market engagement is complemented by ongoing research and thought leadership on AI liability, accumulation risk and emerging risk-transfer challenges.
Navigate AI liability and silent AI risk with confidence
Whether clients are reviewing silent AI exposure, developing affirmative AI insurance products or assessing reinsurance strategies, Gallagher Re helps them understand the evolving risk landscape and make informed commercial decisions.
