Who owns the risks posed by artificial intelligence?

As artificial intelligence (AI) increasingly affects the performance of products consumers use every day, discussions about who owns the AI risk is likely to become more intricate. For companies making these products, it's important to know the risks involved, be they reputational, business-related or consumer risks. "Sometimes we're having to talk to our clients about the AI they use -- where they could be sued, for example, by a third party who interacts with it…or it could end up being a first-party loss because they're using it for themselves," said Kelly MacDonald, Aon's regional sales director and senior vice president, Commercial Risk Solutions. AI could fall under a host of liabilities, programs or policies, but many risks associated with AI are only partly insurable, says MacDonald. "It probably isn't going to all be picked up under one specific placement, it will be a combination," adds Katharine Hall, Aon's senior vice president and cyber practice leader of commercial risk solutions. "How does your general liability placement work with your tech E&O, work with your cyber?"