AI wording
Affirmative across seven products
Rolled out
June 2026
Market
Lloyd's MGA
Access
Brokers and wholesalers
What it covers
- AI generated content and model hallucination addressed in Tech E&O and media wording
- Model drift addressed across the refreshed lines
- Cyber, professional liability, IP, and management liability with AI wording reviewed
Watch out for
- Affirmative wording is not the same as a standalone AI limit; check whether AI claims share the main limit
- CFC is strong for small and mid market tech; very large towers still need layered placements
Who it fits
- Small and mid market tech companies that want AI addressed across the whole programme in one placement
- IP heavy and content generating businesses
Who it does not fit
- Buyers who need a dedicated, separately limited AI tower (that is Armilla or Testudo territory)
Frequently asked questions
What does affirmative wording actually change?
It removes the argument. Silent wording leaves AI claims to be fought over at claim time; affirmative wording states in the policy that the AI activity is covered, subject to the form's terms.
Source: Program details from CFC's published releases (June and September 2026) as compiled in our research checked November 14, 2026.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.