Allianz

Beazley vs. Allianz: Two Approaches to AI Risk in Cyber Insurance — What Brokers Must Know in 2026
AI Risk · · 4 min read

Beazley vs. Allianz: Two Approaches to AI Risk in Cyber Insurance — What Brokers Must Know in 2026

Beazley uses flat 10% AI sublimits, Allianz uses individual risk assessment with up to 30% uplift. A detailed comparison of the two dominant approaches and what DACH brokers need at renewal.

AI Risk Loading: Why Insurers Are Adding 10-15% and What It Means for Cyber Coverage
AI Risk · · 4 min read

AI Risk Loading: Why Insurers Are Adding 10-15% and What It Means for Cyber Coverage

Allianz's blanket surcharge on AI-related cyber coverage is the industry's first systematic attempt to price AI risk. Here's what brokers and risk engineers need to know.