{"id":27722,"date":"2026-04-30T09:45:09","date_gmt":"2026-04-30T08:45:09","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=27722"},"modified":"2026-05-07T14:45:30","modified_gmt":"2026-05-07T13:45:30","slug":"insurance-for-ai-risks","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/insurance-for-ai-risks","title":{"rendered":"How to make sure you have insurance for your AI risks"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-blog-image.png\" alt=\"A woman carefully reviews her policy wording to make sure it's the appropriate insurance for AI risks \" class=\"wp-image-27716\" style=\"object-fit:cover;width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-blog-image.png 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-blog-image-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p>We\u2019re\u00a0living through one of the fastest technology shifts humanity has ever seen. The meteoric rise of AI since\u00a0<a href=\"https:\/\/openai.com\/index\/chatgpt\/\" target=\"_blank\" rel=\"noreferrer noopener\">ChatGPT\u2019s launch in November 2022<\/a>\u00a0has been both exciting and worrying.<\/p>\n\n\n\n<p>AI hasn&#8217;t just arrived <strong>\u2013<\/strong> its boomed. And has been adopted by the public and businesses faster than almost any other technology&nbsp;we\u2019ve&nbsp;created&nbsp;as a species.&nbsp;<\/p>\n\n\n\n<p>To put this into perspective: the first computers appeared in the mid-1940s, but it took until the&nbsp;<a href=\"https:\/\/hpadkisson.medium.com\/a-brief-history-of-enterprise-computing-part-1-4f95b8109f04\" target=\"_blank\" rel=\"noreferrer noopener\">1980s for businesses to adopt them in a widespread way<\/a>.<\/p>\n\n\n\n<p>AI has done that in <em>less than three <\/em>years.<\/p>\n\n\n\n<p>A McKinsey global survey found that&nbsp;<a href=\"https:\/\/www.mckinsey.com\/capabilities\/quantumblack\/our-insights\/the-state-of-ai\" target=\"_blank\" rel=\"noreferrer noopener\">88% of businesses are using AI in at least one business function<\/a>. And almost 40% are using it across their entire organisation.&nbsp;<\/p>\n\n\n\n<p>It&#8217;s not just businesses either. AI is already baked into everyday life. A UK government study in 2024 found that&nbsp;<a href=\"https:\/\/www.gov.uk\/government\/publications\/ai-skills-for-life-and-work-general-public-survey-findings\/ai-skills-for-life-and-work-general-public-survey-findings\" target=\"_blank\" rel=\"noreferrer noopener\">73% of people had used AI to fulfil day-to-day tasks<\/a>. Think using voice assistants, predictive text, or asking ChatGPT what to cook with what&#8217;s left in the fridge.<\/p>\n\n\n\n<p>But before we delve into the risks of using AI as a business,&nbsp;it\u2019s&nbsp;probably best&nbsp;to explore\u2026&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why are businesses using AI?<\/strong>&nbsp;<\/h2>\n\n\n\n<p>To understand the risks&nbsp;of&nbsp;AI, we&nbsp;have to&nbsp;understand why&nbsp;so many&nbsp;businesses are&nbsp;using&nbsp;it.&nbsp;<\/p>\n\n\n\n<p>It\u2019s&nbsp;no surprise that larger companies are the first to adopt the&nbsp;new technology. They have the&nbsp;resources&nbsp;to experiment and find ways to utilise AI to improve their processes. Smaller businesses are slower on the uptake, but they&#8217;re using it in some capacity.&nbsp;<\/p>\n\n\n\n<p>So, what are the main reasons businesses&nbsp;are pursuing&nbsp;AI?&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Productivity \u2013&nbsp;<\/strong>this is the big one. AI helps businesses&nbsp;do more without hiring&nbsp;more people. It can be used to automate simple tasks, draft emails, and summarise lengthy documents. For example, a project manager might use AI to record their meetings and write up notes for them, saving hours of time every week they can use elsewhere.&nbsp;<\/li>\n\n\n\n<li><strong>Competitors \u2013<\/strong>&nbsp;everyone else is doing it. In business, falling behind your competitors is a big no-no and an AI adoption arms race is underway. Especially at larger businesses who&nbsp;can\u2019t&nbsp;afford to lose the edge over their rivals.&nbsp;<\/li>\n\n\n\n<li><strong>Platform development \u2013<\/strong>&nbsp;AI is evolving. Fast. From month&nbsp;to&nbsp;month, new agents, capabilities, and technologies are being released. Due to this, businesses are scrambling to find, review, and adopt new ways to use AI.&nbsp;<\/li>\n\n\n\n<li><strong>People are using it \u2013&nbsp;<\/strong>almost<strong>&nbsp;<\/strong>everyone&nbsp;is using AI in some capacity. Businesses recognise that their staff would be using it anyway, even if they&nbsp;didn\u2019t&nbsp;instruct them to.&nbsp;This forces company leaders to legitimise and control the use of AI, rather than pretend&nbsp;it\u2019s&nbsp;not happening.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What are AI risks in business?<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Now that we understand why businesses are using AI,&nbsp;it\u2019s&nbsp;important to understand the risks behind it.&nbsp;<\/p>\n\n\n\n<p>A quick&nbsp;caveat&nbsp;before we jump into specifics: each industry will have their own nuance when it comes to AI risks. A law firm\u2019s&nbsp;risks might revolve around inaccurate information being generated by AI in court filings. While a&nbsp;HR consultancy\u2019s risks might be more focused on the inputting of sensitive personal data into an AI model.&nbsp;<\/p>\n\n\n\n<p><em>These scenarios are deliberately broad. Consider how they might apply to your industry and the way you work.<\/em><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"614\" height=\"1024\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/Scenario-USE-614x1024.jpg\" alt=\"\" class=\"wp-image-27727\" style=\"width:600px;height:auto\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/Scenario-USE-614x1024.jpg 614w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/Scenario-USE-90x150.jpg 90w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/Scenario-USE-768x1280.jpg 768w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/Scenario-USE-922x1536.jpg 922w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/Scenario-USE.jpg 1200w\" sizes=\"auto, (max-width: 614px) 100vw, 614px\" \/><\/figure>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How insurance can help with AI-related risks<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Those were some of the most common AI risks UK businesses will face. But depending on the industry you work in, you may face more.&nbsp;<\/p>\n\n\n\n<p>Insurance can be&nbsp;a good way&nbsp;to mitigate these risks. Or at least reduce the impact&nbsp;if something goes wrong.&nbsp;<\/p>\n\n\n\n<p>After reading them, you might be tempted to pop over to Google and type in \u201cAI insurance\u201d,&nbsp;right? Unfortunately, this&nbsp;isn\u2019t&nbsp;really a thing.&nbsp;<\/p>\n\n\n\n<p>Instead,&nbsp;most of these risks are covered by traditional business insurance policies.&nbsp;<\/p>\n\n\n\n<p>However,&nbsp;it\u2019s&nbsp;worth noting that the insurance industry is&nbsp;still&nbsp;adapting to&nbsp;the risks posed by&nbsp;AI. As such,&nbsp;it\u2019s&nbsp;difficult to know how&nbsp;they\u2019ll&nbsp;respond to claims involving&nbsp;it.&nbsp;It\u2019s&nbsp;worth bearing this in mind when&nbsp;you\u2019re&nbsp;buying.&nbsp;<\/p>\n\n\n\n<p>Here\u2019s how insurance might be able to help:<\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-image-1.png\" alt=\"A woman speaks to her insurance broker to make sure her professional indemnity insurance includes AI risks\" class=\"wp-image-27717\" style=\"width:500px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-image-1.png 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-image-1-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\"><strong>Professional indemnity insurance<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Our first example was around providing inaccurate information to a client or customer, because you used&nbsp;AI to help you find it.&nbsp;<\/p>\n\n\n\n<p>As such, your report, proposal, or advice was based on information&nbsp;that\u2019s&nbsp;wrong. So, it leads to bad outcomes for your client.&nbsp;<\/p>\n\n\n\n<p>In this case, you would&nbsp;probably be&nbsp;covered by&nbsp;your&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/professional-indemnity-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">professional indemnity insurance<\/a>. After all,&nbsp;it\u2019s&nbsp;designed to cover you against claims your&nbsp;work caused&nbsp;financial loss&nbsp;for your clients.&nbsp;Or for when your clients accuse you of negligence \u2013 like using AI to draft a report for you&nbsp;without checking it properly.&nbsp;<\/p>\n\n\n\n<p>So, you should be covered. However,&nbsp;<strong>always&nbsp;double-check your policy wording<\/strong>. Your insurer may include an exclusion for AI-related claims.&nbsp;If they do,&nbsp;it\u2019s&nbsp;worth speaking to your broker at your next renewal&nbsp;to find a policy&nbsp;that\u2019s&nbsp;better suited for you.&nbsp;And&nbsp;maybe&nbsp;double&nbsp;and triple checking those AI&nbsp;outputs&nbsp;in the meantime.<\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-image-2.png\" alt=\"A woman speaks to her insurance broker to make sure her business interruption insurance includes AI risks\" class=\"wp-image-27718\" style=\"width:500px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-image-2.png 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-image-2-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\"><strong>Business interruption insurance<\/strong><\/h3>\n\n\n\n<p>If parts of your business, or your immediate supply chain, are reliant on AI processes to function, an outage can cause chaos for your ability to serve your customers.&nbsp;<\/p>\n\n\n\n<p>Business interruption insurance covers you if&nbsp;you\u2019re&nbsp;put out of action by something like a fire, flood, or pest infestation. Depending on the situation, it could cover you for AI-related interruptions too,&nbsp;but this would&nbsp;depend&nbsp;heavily on your policy wording.&nbsp;<\/p>\n\n\n\n<p>If this is something&nbsp;you\u2019re&nbsp;concerned about, speak to your broker. They can help you find cover that has the best chance of helping&nbsp;in the event of&nbsp;an AI outage.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-image-3.png\" alt=\"A woman speaks to her insurance broker to make sure her cyber insurance includes AI risks\" class=\"wp-image-27719\" style=\"width:500px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-image-3.png 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/04\/AI-risks-image-3-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\"><strong>Cyber insurance<\/strong><\/h3>\n\n\n\n<p>Our examples on AI-powered cybercrime and personal data misuse would&nbsp;generally fall&nbsp;within a&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/cyber-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">cyber insurance<\/a>&nbsp;policy.&nbsp;<\/p>\n\n\n\n<p>One of cyber insurance\u2019s&nbsp;main areas&nbsp;of protection is against cyber-attacks, whether&nbsp;they\u2019re&nbsp;AI-powered or not. Our example of&nbsp;a&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/blog\/a-guide-to-social-engineering-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">social engineering<\/a>&nbsp;attack&nbsp;mixed with financial cybercrime&nbsp;would require an&nbsp;additional&nbsp;add-on, but it can be covered.&nbsp;<\/p>\n\n\n\n<p>Our other example on personal data misuse in the training of an AI agent is a slightly trickier one. The part of this that could be covered by insurance would potentially be&nbsp;providing&nbsp;legal advice when dealing with the <a href=\"https:\/\/ico.org.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Information Commissioner&#8217;s Office (ICO)<\/a>, as well as providing PR experts to help you manage the&nbsp;reputational damage the situation would cause.&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/blog\/does-cyber-insurance-cover-gdpr\" target=\"_blank\" rel=\"noreferrer noopener\">Almost all&nbsp;cyber insurance policies&nbsp;<strong>won\u2019t&nbsp;<\/strong>cover ICO fines<\/a>.&nbsp;<\/p>\n\n\n\n<p>Once again, AI-related exclusions can exist in cyber policies, so read your policy wording carefully before buying.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to manage AI risks in your business<\/strong>&nbsp;<\/h2>\n\n\n\n<p>AI is an immensely useful technology, which&nbsp;benefits&nbsp;UK businesses every day. However,&nbsp;it\u2019s&nbsp;important to use it responsibly and carefully manage the amount of risk you take on.&nbsp;<\/p>\n\n\n\n<p>Here are some simple and actionable ways to reduce your risk when using AI:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Write an AI usage policy for you and your team&nbsp;\u2013&nbsp;<\/strong>this&nbsp;doesn\u2019t&nbsp;need to be a multi-page, all-encompassing document. However, it does need to include things like approved tools (so people&nbsp;aren\u2019t&nbsp;using random AI sites for important work), guidance&nbsp;usage (like not uploading personal data or payment details), and instructions on how to properly double-check AI outputs before using them.&nbsp;\n<ul class=\"wp-block-list\">\n<li>This&nbsp;<a href=\"https:\/\/ico.org.uk\/for-organisations\/uk-gdpr-guidance-and-resources\/artificial-intelligence\/explaining-decisions-made-with-artificial-intelligence\/part-3-what-explaining-ai-means-for-your-organisation\/policies-and-procedures\/\" target=\"_blank\" rel=\"noreferrer noopener\">guide on AI policies and procedures from the ICO<\/a>&nbsp;is well worth reading before you start.&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Train your staff&nbsp;\u2013&nbsp;<\/strong>making sure your staff are trained on how to safely use AI will dramatically reduce your risk. Train them on your AI usage policy&nbsp;and why&nbsp;it\u2019s&nbsp;important, as well as how to spot and avoid AI-supported social engineering&nbsp;and phishing&nbsp;cyber-attacks.&nbsp;<\/li>\n\n\n\n<li><strong>Track what AI tools you use and who uses them \u2013&nbsp;<\/strong>keep a register of what tools you use, who uses them, and why&nbsp;they\u2019re&nbsp;used. Bonus points if you keep a note of how you review AI outputs.&nbsp;If you ever find yourself being audited by the ICO, this will be very handy.&nbsp;<\/li>\n\n\n\n<li><strong>Prepare a basic AI incident response \u2013&nbsp;<\/strong>planning for an AI incident scenario can make it a lot easier if something happens. Think about things like what&nbsp;to&nbsp;do if sensitive&nbsp;data is&nbsp;entered&nbsp;into an AI tool, a&nbsp;supplier&nbsp;notifies you&nbsp;of a breach, or&nbsp;an employee uses AI incorrectly.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Using AI responsibly<\/strong>&nbsp;<\/h2>\n\n\n\n<p>We\u2019re&nbsp;moving towards a world where AI usage will become&nbsp;unavoidable&nbsp;for&nbsp;businesses, if&nbsp;they want to stay&nbsp;competitive.&nbsp;<\/p>\n\n\n\n<p>But rushing ahead without considering the risks associated with AI can lead to a lot of harmful outcomes, not only for businesses but the customers and clients they serve.&nbsp;<\/p>\n\n\n\n<p>Even with all the preparation in the world, though, AI incidents can happen.&nbsp;That\u2019s&nbsp;where&nbsp;having the right insurance in place is crucial.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Want to find out whether your insurance covers AI risks? Or looking for insurance that will? Give us a call on&nbsp;<strong>0345 222 5391<\/strong>&nbsp;to speak to one of our insurance&nbsp;experts.<\/p>\n\n\n\n<p><em>Images used under licence from iStock.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We\u2019re\u00a0living through one of the fastest technology shifts humanity has ever seen. The meteoric rise of AI since\u00a0ChatGPT\u2019s launch in November 2022\u00a0has been both exciting and worrying. AI hasn&#8217;t just arrived \u2013 its boomed. And has been adopted by the &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/insurance-for-ai-risks\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[288,287,290,132],"tags":[318,310,300,158,137,150],"class_list":["post-27722","post","type-post","status-publish","format-standard","hentry","category-cyber-insurance","category-more-business-insurance","category-self-employed-and-freelance-advice","category-small-business-advice","tag-ai","tag-business-advice","tag-cyber-insurance-2","tag-cyber-insurance","tag-insurance-explained","tag-managing-risk"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>How to make sure you have insurance for AI risks<\/title>\r\n<meta name=\"description\" content=\"AI is here to stay, which means your approach to insurance needs to change. 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