As AI becomes embedded in business operations, legal and compliance teams need to understand how insurance policies will respond when AI tools malfunction, make autonomous decisions or amplify existing risks. This article, synthesizing insights shared by insurance industry experts from Brown & Brown, Munich Re and Redberry Labs during a Zywave program, explains why AI-related losses may not fit neatly within traditional cyber, errors and omissions, or professional liability coverage. It also covers the distinctions between cyber and AI risk, how AI use cases can affect coverage, emerging policy exclusions, gaps in professional liability coverage and key underwriting concerns for AI policies. See “Navigating Insurance Coverage Issues for AI‑Related Losses” (May 20, 2026).