Who Insures AI: Understanding the Roles of the Private Insurance Industry and How They Can Shape AI Governance

2026

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This paper explores how the private insurance industry can act as a crucial governance mechanism for AI, shaping its development and adoption by managing risks and incentivizing responsible practices.

* Examines the roles of actuaries, lawyers, and underwriters in determining AI insurability and risk management.
* Discusses how insurance policies, both general liability and AI-specific, can influence AI development and use.
* Previews upcoming research that will investigate how insurance professionals are approaching AI risks and developing new coverage.

Tags: AI governance, insurance, risk management, private insurance, AI development

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