White paper
Silent AI: The Next Coverage Gap
How non-affirmative AI coverage, hidden AI dependencies, and unobserved data flows create growing underwriting and portfolio risk.
What this white paper covers
The coverage ambiguity is only half the problem.
Silent AI can leave carriers and insureds with AI-related exposure that is neither clearly affirmed nor excluded. The harder underwriting question is whether anyone can see which AI services and downstream providers actually receive sensitive data.
- How silent cyber became affirmative cyber, and why the pattern is repeating with AI
- Where current exclusions, affirmative policies, and sublimits leave uncertainty
- Why self-reporting and security ratings can miss embedded AI data flows
- Practical actions for carriers, underwriters, brokers, and enterprise risk teams
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