Your business probably uses AI. Your insurance policy probably doesn’t mention it.
The numbers tell the story:
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~20% of U.S. businesses now use AI in some business function (U.S. Census Bureau, Business Trends and Outlook Survey, May 2026)
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34% of finance and insurance firms already use AI (U.S. Census Bureau BTOS, May 2026)
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41% of U.S. workers used generative AI for work as of late 2025 (Federal Reserve staff note / Real-Time Population Survey)
AI is drafting emails, screening job applicants, and advising customers. But most commercial insurance policies were written before AI was in every office — so it’s worth asking whether your coverage addresses AI-related exposures before a claim tests it.
The exposures cut across the policies businesses already carry. An AI tool that gives a customer flawed advice can trigger an errors-and-omissions claim. AI-assisted hiring raises employment-practices questions. And every AI system connected to your network widens the attack surface for a cyber incident.
None of this is a reason to avoid AI — it’s a reason to make sure your insurance kept pace with how your business actually operates. A short conversation with your agent now beats a coverage surprise later.
If you’re a business owner, let’s talk before the next headline is about you.
📞 713-961-0880 | securedriskinsurance.com
Sources: U.S. Census Bureau · TechInformed / Federal data
