AI on Trial: How malpractice insurers are adapting to AI risk

Deepika Srivastava, chief operating officer at The Doctors Company, says artificial intelligence (AI) is already starting to influence the malpractice insurance market — though coverage standards are still taking shape.

“Some carriers are introducing policy riders, or specialized AI liability coverage, particularly for practices or systems that are relying very heavily on AI tools,” Srivastava says. These policies may address issues such as vicarious liability and distinguish between FDA-approved and experimental tools.

“At The Doctors Company, there’s currently no exclusion for AI,” she adds. “We would still defend and potentially indemnify a physician if AI played a role in a claim. It really reflects our commitment to our members.”

Srivastava says her underwriting team is closely monitoring AI-related risk and reviewing policy language to ensure coverage keeps pace with emerging technologies.