CoverMyAI Blog
Expert analysis of AI insurance exclusions, Verisk endorsements, and what small businesses need to do to stay covered.
Vanta costs $3,000+/yr. Drata costs $2,500+/yr. Consultants charge $15,000+. CoverMyAI is $29 one-time. Here's an honest comparison of what each tool does, who it's built for, and which one actually makes sense for small businesses.
Get a free, copy-paste AI policy template built for small businesses. Covers approved tools, prohibited uses, data privacy, and insurance compliance — ready in 15 minutes.
Insurers are adding AI exclusions to business policies right now. Here's a concrete 5-step plan to protect your coverage before your next renewal.
A guide for insurance brokers and agents on helping clients document AI governance to maintain coverage. Includes talk tracks, the 5 documents every client needs, and a $29 solution.
If your business uses ChatGPT, Copilot, or any AI tool and you haven't documented it, your insurance carrier may have already added an exclusion. Here's exactly how to build an AI tool registry, with a free template.
On March 18, 2026, HSB (Munich Re subsidiary) launched the first AI liability insurance for SMBs. Here's what it covers, what the Verisk exclusions mean, and what governance documents you need before applying.
The Colorado AI Act takes effect June 30, 2026. Most guides are written for lawyers. This one is for the 15-person business that uses ChatGPT and wonders if they need to care.
Enterprise vendor risk questionnaires have 200 questions. Here are 10 that take 15 minutes per vendor and give you 80% of the protection — plus help you keep your insurance coverage.
Every AI risk management framework online was built for Fortune 500 companies. Here are 5 practical steps that manage your risk AND reduce your insurance premiums — no compliance team required.
Every guide assumes you have IT, legal, and compliance departments. This one is for the business owner who is all three. Step-by-step, with enterprise vs. small business examples.
Free AI policy templates from SHRM and law firms give you one document. Your insurer expects five. Here's what a complete AI governance kit looks like — and why a single template isn't enough.
Texas AI Act, Colorado AI Act, EU AI Act, Verisk endorsements — the compliance landscape is overwhelming. Here's a plain-English filter: what actually applies to your business, what doesn't, and what to do about the parts that do.
Five yes-or-no questions that tell you whether your business needs a documented AI policy — and what happens to your insurance coverage if you don't have one.
AI creates 6 types of liability most insurance policies don't cover. Here's a practical breakdown of your exposure, what HSB's new AI liability product means, and how to protect yourself.
Most small business owners assume their insurance covers AI. Most are wrong. Here's what's actually covered across GL, E&O, cyber, and D&O — and what changed in 2026.
Your team uses ChatGPT for proposals, marketing, and customer service. Your insurer has noticed. Here's how AI tools create liability your insurance may no longer cover.
Every AI compliance guide is written for enterprises. This one covers insurance, Colorado AI Act, and EU AI Act requirements in one actionable checklist — built for small businesses.
Your AI policy isn't just about compliance — it's about keeping your insurance coverage. Learn how Verisk's 2026 endorsements let carriers exclude AI liability, and what small businesses need to document now.
Major carriers are quietly adding AI exclusion endorsements to general liability policies. If your business uses ChatGPT, Copilot, or any AI tool, your insurance may no longer cover AI-related claims. Here's what's happening and what you can do about it.
Free AI acceptable use policy template for small businesses. Download a customizable AI use policy that satisfies insurance requirements and protects your business from AI liability.
Verisk's CG 40 47 endorsement gives insurers the ability to exclude all AI-related claims from general liability policies. We break down exactly what it says, which carriers are adopting it, and how small businesses can protect themselves.
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