Over the past decade, business owners have been primarily concerned with weather-related events, supply chain disruptions, personal liability, and other traditional risks. These challenges have shaped insurance policies and risk management strategies, focusing on physical damage, legal claims, and operational interruptions. However, a new threat has emerged as the digital landscape evolves cyber risks. Among these, artificial intelligence (AI) is becoming a core risk, amplifying cyber incidents' complexity and potential impact. Despite its growing significance, insurance coverage has a noticeable gap specifically addressing AI-related risks, such as those associated with AI-driven copywriting and other applications. Exploring the emerging dangers of AI can highlight the coverages needed to mitigate these risks and the regulatory changes under consideration.
