AI and the Evolution of Insurance Law

AI and the Evolution of Insurance Law examines how artificial intelligence is changing both the risks that insurance covers and the legal principles through which insurance markets respond. As businesses increasingly deploy machine learning and automated decision-making systems, and as insurers use AI-powered analytics in underwriting, pricing, claims handling, fraud detection, and customer service, established insurance doctrines are being tested against new forms of opacity, automation, data dependence, and systemic exposure. The book offers a systematic account of the legal challenges created by AI-related risks. It considers how AI affects risk assessment, fair presentation, disclosure, causation, liability, policy construction, exclusions, and insurability. It also examines whether traditional insurance law can accommodate AI-related harms, or whether new regulatory, contractual, and doctrinal responses are required. Combining theoretical analysis with practical and regulatory insight, the book situates AI within the long-term evolution of insurance law and insurance practice. It shows that AI is not merely another emerging technology to be insured, but a development that may alter the informational, causal, and institutional assumptions on which insurance law depends.

Written for practitioners, academics, regulators, and advanced students, AI and the Evolution of Insurance Law provides a timely and authoritative framework for understanding one of the most important emerging challenges in contemporary insurance law.