CSIS reports state regulators approved more than 80% of carrier requests to exclude AI damages
Gregory C. Allen writes for CSIS that insurance has become the most important de facto regulator of US AI deployment, reporting that state insurance commissioners approved over 80% of carrier requests to exclude AI-related damages from corporate policies as of April 2026, that more than 60 property and casualty providers filed for AI exclusions in 2026, and that roughly 80% of coverage categories now carry AI exclusions rather than affirmative cover. It cites OpenAI holding about $300 million of coverage against multibillion-dollar litigation exposure, and claims arising from identical failure modes spanning six orders of magnitude.