AI Risk

Beazley vs. Allianz: Two Approaches to AI Risk in Cyber Insurance — What Brokers Must Know in 2026
AI Risk · · 5 min read

Beazley vs. Allianz: Two Approaches to AI Risk in Cyber Insurance — What Brokers Must Know in 2026

Beazley uses flat 10% AI sublimits, Allianz uses individual risk assessment with up to 30% uplift. A detailed comparison of the two dominant approaches and what DACH brokers need at renewal.

AI Risk Loading: Why Insurers Are Adding 10-15% and What It Means for Cyber Coverage
AI Risk · · 4 min read

AI Risk Loading: Why Insurers Are Adding 10-15% and What It Means for Cyber Coverage

Allianz's blanket surcharge on AI-related cyber coverage is the industry's first systematic attempt to price AI risk. Here's what brokers and risk engineers need to know.

The NIS2 + AI Coverage Gap: When Your Cyber Policy Won't Cover the Incident NIS2 Requires You to Report
NIS 2 · · 9 min read

The NIS2 + AI Coverage Gap: When Your Cyber Policy Won't Cover the Incident NIS2 Requires You to Report

NIS2 mandates AI incident reporting for hundreds of thousands of EU entities. But most cyber insurance policies contain silent AI exclusions, sublimits, or ambiguity that leave insureds paying for AI incident response out of pocket — even though NIS2 required them to report the incident in the first place.