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Businesses increasingly embed artificial intelligence (AI) in operations, products, and services, creating both new opportunities and new forms of risk. Firms are deploying AI in customer service, employment screening, coding, fraud detection, and autonomous systems. At the same time, AI-related harms are already emerging, including incorrect or misleading outputs, deepfakes, privacy violations, intellectual property disputes, fraud, product defects, and discriminatory decisions. These harms create demand for insurance but do not fit neatly within existing insurance lines.
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