This week’s AI in Insurance captures a pivotal moment as the industry faces a regulatory, operational, and ethical reckoning around AI adoption. The long-anticipated end of the AI moratorium has triggered a fragmented global compliance landscape—introducing both opportunity and risk for carriers. Hiscox has responded with the UK’s first affirmative AI liability cover, providing long-overdue certainty on how AI-related risks can transfer. Meanwhile, deepfakes, disinformation, and synthetic fraud threats are escalating faster than insurers can contain them. From predictive AI models for Lloyd’s syndicates to the uneasy ethics of agentic AI, this edition reveals how insurers are grappling with a new phase of AI integration—where liability, transparency, and competitive advantage collide. Despite the hype, most carriers are still racing to get off the starting line, even as regulators, advisory boards, and global tech giants reshape the environment at speed.

This marks the real starting gun for AI in insurance—regulatory complexity just became every carrier’s biggest AI headache.

Hiscox has finally written what the market’s been crying out for: clear, contractual certainty on AI liability.

Fraud’s always been a problem; now, deepfakes and AI-powered disinformation take it to a whole new level of complexity.

AI predicting relative performance at Lloyd’s? This is a strategic tool investors and syndicates will be watching closely.

Agentic AI sounds exciting, but without ethics and oversight, insurers could be sleepwalking into serious risk.

We talk about AI’s decision power, but most insurers are still jogging toward the starting line.

Another AI advisory board. Good intentions, but don’t expect overnight impact for insurers just yet.

Important privacy debate, but unless insurers start using DeepSeek, this one stays in the tech lane.

AI’s gone operational—but we’ve heard this message before. It’s more reinforcement than revelation.