AI Risk Advisory

Axiom Advisory helps brokerages build the internal capability to serve their clients' AI risk exposure. As traditional insurers exclude Gen-AI, brokerages that can identify, quantify, and remediate the coverage gap for their commercial accounts will define the next decade of professional lines. We work directly with brokerage leadership establish AI risk as a differentiating practice area.

AI Risk Advisory

Axiom Advisory helps brokerages build the internal capability to serve their clients' AI risk exposure. As traditional insurers exclude Gen-AI, brokerages that can identify, quantify, and remediate the coverage gap for their commercial accounts will define the next decade of professional lines. We work directly with brokerage leadership establish AI risk as a differentiating practice area.

AI Risk Advisory

Axiom Advisory helps brokerages build the internal capability to serve their clients' AI risk exposure. As traditional insurers exclude Gen-AI, brokerages that can identify, quantify, and remediate the coverage gap for their commercial accounts will define the next decade of professional lines. We work directly with brokerage leadership establish AI risk as a differentiating practice area.

The AI coverage gap is now a placement problem, not a hypothetical.

Between January and July 2026, the commercial insurance market fundamentally changed. Verisk's ISO Form CG 40 47 01 26 allows carriers to exclude bodily injury, property damage, and advertising injury arising from generative AI use in commercial general liability policies. AIG, WR Berkley, Great American, and Hamilton Insurance Group have filed AI exclusions across multiple lines. Berkley's PC 51380 form broadly excludes any claim based upon or arising out of any actual or alleged use, deployment, or development of an AI system. Approximately 82% of US commercial liability policies now contain some AI-related exclusion language.

Meanwhile, enterprise AI deployment continues to accelerate, litigation is compounding, and California AB 316 has removed "the AI acted autonomously" as a legal defense. Every commercial account a brokerage places today carries AI exposure that its existing policies increasingly exclude.

What we do for brokerages.

Axiom Advisory works with a small number of specialty and mid-market brokerages each quarter to build a formal AI risk practice within their organization. Engagements are structured across three layers.

The first layer is internal enablement. We train producers, account executives, and leadership on the current state of AI exclusions across E&O, EPL, D&O, cyber, tech E&O, and general liability. We map which carriers are excluding what, which forms to look for at renewal, and how to have the conversation with a CFO or general counsel about coverage they thought they had. Producer training is refreshed quarterly to keep pace with new filings.

The second layer is client-facing coverage gap audits. We work alongside producers on their top accounts to run structured audits of existing policies against actual AI deployment. We identify exclusion language, quantify the exposure, and recommend remediation options — including standalone AI liability products from carriers actively writing this line, governance frameworks that can reduce exposure, and contract-side risk transfer where insurance is not available. Each audit produces a client-ready written report the producer can use in stewardship conversations.

The third layer is ongoing advisory. We are available to the brokerage's producers on demand for AI risk questions that arise mid-placement, at renewal, or during new business pursuits. We also produce a monthly market update summarizing new exclusions, litigation developments, and product launches, keeping the brokerage's team ahead of the market.

Why this matters now.

Brokerages that build an AI risk practice in 2026-2027 will capture the remediation revenue as the standalone AI liability market matures. Brokerages that wait will lose their top commercial accounts to specialty firms that positioned earlier. The window to establish this capability as a differentiator is narrow.

Engagement structure.

Retainers begin at $7,500 per month with a six-month minimum. Premium engagements at $12,000 per month include unlimited client-facing audits and co-branded thought leadership. We take a limited number of brokerages per quarter to ensure quality of engagement.

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