The Renewal Reporthttps://therenewalreport.com/Findings and tests on AI in insurance distribution, for independent agencies and MGAs.en-us What belongs in an agency AI policy, and what is actually required?https://therenewalreport.com/findings/agency-ai-policy/https://therenewalreport.com/findings/agency-ai-policy/Wed, 16 Sep 2026 00:00:00 +0000We read the AI bulletins in six states to find what a retail insurance agency is legally obliged to do about AI, versus what is only recommended by counsel and E&O carriers. The agency E&O loss data that already exists, and what AI does to it.https://therenewalreport.com/findings/agency-eo-loss-data/https://therenewalreport.com/findings/agency-eo-loss-data/Wed, 16 Sep 2026 00:00:00 +0000The only sourced agency E&O cause ranking we found (Big I Professional Liability with Swiss Re, 2017–2022) and what each cause looks like when an AI-assisted proposal goes wrong. Sample size not disclosed; no AI-attributed claim data exists yet. What the AI claim-denial cases actually say.https://therenewalreport.com/findings/ai-claim-denial-cases/https://therenewalreport.com/findings/ai-claim-denial-cases/Wed, 16 Sep 2026 00:00:00 +0000Two lawsuits are quoted everywhere as proof that AI denies claims. We read the court orders. One involves a pre-set-criteria algorithm, not generative AI; the defendant in the other denies using the tool at all; neither has a finding. Your AI policy might be excluded too. Two exclusions, two definitions of AI.https://therenewalreport.com/findings/ai-exclusion-forms/https://therenewalreport.com/findings/ai-exclusion-forms/Wed, 16 Sep 2026 00:00:00 +0000Two families of AI exclusion are now on the market, and they do not define AI the same way. We read the Berkley absolute exclusion in full and set it against the ISO general liability endorsements effective January 2026. What does “95% accuracy” actually count? Ten vendor claims, as written.https://therenewalreport.com/findings/vendor-accuracy-claims/https://therenewalreport.com/findings/vendor-accuracy-claims/Wed, 16 Sep 2026 00:00:00 +0000Ten quantified claims from submission and underwriting AI vendors, quoted verbatim, with the denominator, definition, baseline and production status each one is missing, and the questions to put to a vendor before a demo. ISO's generative AI exclusion is already on thousands of CGL policieshttps://therenewalreport.com/news/2026-09-16-iso-s-generative-ai-exclusion-is-already-on-thousands-of-cgl/https://therenewalreport.com/news/2026-09-16-iso-s-generative-ai-exclusion-is-already-on-thousands-of-cgl/Thu, 17 Sep 2026 00:00:00 +0000CG 40 47 has been available since January and is attaching to in-force commercial general liability policies now, Insurance Business reports. Korn Ferry says major US business insurers now exclude chatbot and AI-agent liabilityhttps://therenewalreport.com/news/2026-09-16-korn-ferry-says-major-us-business-insurers-now-exclude/https://therenewalreport.com/news/2026-09-16-korn-ferry-says-major-us-business-insurers-now-exclude/Thu, 17 Sep 2026 00:00:00 +0000A leadership advisory column describes exclusions for AI-driven errors landing in traditional business coverage. Undeclared AI use is the new blind spot in cyber underwriting, Fintech Global reportshttps://therenewalreport.com/news/2026-09-16-undeclared-ai-use-is-the-new-blind-spot-in-cyber/https://therenewalreport.com/news/2026-09-16-undeclared-ai-use-is-the-new-blind-spot-in-cyber/Thu, 17 Sep 2026 00:00:00 +0000Cyber leaders describe AI as an extension of technology risk rather than a new product, while applications go silent on it. Artificial Intelligence Underwriting Company closes a $40 million Series Ahttps://therenewalreport.com/news/2026-09-16-artificial-intelligence-underwriting-company-closes-a-40/https://therenewalreport.com/news/2026-09-16-artificial-intelligence-underwriting-company-closes-a-40/Thu, 17 Sep 2026 00:00:00 +0000Ribbit Capital led the round for the San Francisco AI underwriting startup, per a trade report.