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We identify a four-tier insurability frontier: affirmatively insured perils, silent-AI exposures, actively excluded perils, and perils outside conventional private insurance structures. Our coding measures publicly claimed positioning rather than executed contract wording; the headline statistics describe what carriers publicly state about coverage, not what w","title":"The Insurability Frontier of AI Risk: Mapping Threats to Affirmative Coverage, Silent Exposures, and Exclusions","url":"https://arxiv.org/abs/2605.18784","vendor":"arxiv_cs_ai"},"summary":"arXiv:2605.18784v2 Announce Type: replace-cross \nAbstract: The rapid diffusion of agentic AI has created a new coverage problem for commercial insurance: some AI-mediated losses are now affirmatively insured, some create silent-AI exposure under legacy cyber, technology errors-and-omissions (E&O), directors-and-officers (D&O), employment practices liability (EPLI), crime, and media policies, and others are being actively excluded.\n  This paper maps that emerging boundary by coding 55 AI threat classes against 26 insurance products, endorsements, and exclusion regimes using public carrier materials and OWASP/MITRE threat catalogs. We identify a four-tier insurability frontier: affirmatively insured perils, silent-AI exposures, actively excluded perils, and perils outside conventional private insurance structures. Our coding measures publicly claimed positioning rather than executed contract wording; the headline statistics describe what carriers publicly state about coverage, not what w","title":"The Insurability Frontier of AI Risk: Mapping Threats to Affirmative Coverage, Silent Exposures, and Exclusions","vendor":"arxiv_cs_ai"},"confidence":{"method":"deterministic"},"decision":"POSITIVE","issued_at":"2026-06-15T04:43:09Z","notes":"Spider vendor_press (news) news.vendor_press.v1","object":{"captured_by":"crovia.spider.vendor_press","primary_source_url":"https://arxiv.org/abs/2605.18784"},"predecessors":[],"schema":"crovia.axiom.v1","signature":"ed25519:1f317bb9258a915d2ca91bf930af23dc04412fe84947c5dbb5bc5ce951bc8345ad489987ea91ae64ad31d84ab541f6ff41d9bf2a7061d89a8473d66289dc3c06","signer":"crovia.substrate","subject":{"observed_at":"2026-06-15T04:43:09Z","source_collector":"spider:vendor_press","target_id":"https://arxiv.org/abs/2605.18784"},"tsa":{"authority":"crovia.substrate.bootstrap","rfc3161_token":"{\"kind\":\"crovia.bootstrap.tsa\",\"source_jsonl\":\"/opt/crovia/spider/data/news/vendor_press_v1.jsonl\",\"source_seal_merkle_root\":\"spider_vendor_press_v1\",\"upgrade_path\":\"Sessione H \\u2014 OpenTimestamps weekly anchor\"}"},"zk_mode":"clear","zk_proof":null},"ledger":{"leaf_hash":"c7d45c287d86ab378dcd98601304c86af6892933463a95568dbde8675cb08e1f","leaf_index":230161,"ledger_path":"/opt/crovia/substrate/axiom_ledger.jsonl"},"merkle_proof":{"hash_alg":"sha256","leaf_prefix":"0x00","node_prefix":"0x01","odd_leaf_rule":"duplicate_last","path":[{"sibling":"277749a4c0911c18ada793288950accf064e71975bc751e1c5f99563cb220211","side":"left"},{"sibling":"8e419263f916573e1145d6a4a8e60b373d7d453682582ff9cfef275d38aa0dee","side":"right"},{"sibling":"e86ab5b454f65a0d544ff6175388639aa9f6bac11b74381aa75e1237c5905f10","side":"right"},{"sibling":"f1ab95ed3bbee976b0c50056631392aa87dff020654f685bb90aad42f78b2a2e","side":"right"},{"sibling":"9d12f5ff374433bdfb2c9b74c2a7a241d36e7fcdd6cd350507af1f89494de0d2","side":"left"},{"sibling":"430e8ffbeeb70eaf2485dfbe508fd2bd77e31b8b2a5c813d940490016761d859","side":"right"},{"sibling":"a614bf836a660bcfb12080603c3b0e05178718e35625a1678b12d5a40d44e0f7","side":"right"},{"sibling":"0d60a870c104823e0ebbac1aad5395bcb88f28b6928636cce19a16b0cfa21564","side":"right"},{"sibling":"03ebe4791d56166247160f6ee7788c15745bdd7e274c62ec21b2438669941587","side":"left"},{"sibling":"74897e850164dddc689c3c65b33f9bae0268ab0bf429867a4e193d9b9b685040","side":"left"},{"sibling":"bde25d7e94e64717e426a97f6fcb4907e92b5c61fc89d92d7e0947a2249c3f6b","side":"right"},{"sibling":"d10d772a4984cae00e65ab24af21d1d260e475bbaae3f17871859eb705bd3999","side":"right"},{"sibling":"e79159853f2f35ddae8e3247d515e433c534277b287d65bbd77ae989aa4992fa","side":"right"},{"sibling":"3054319f1840cce0eaaf0bc4b1ae38e5bf8b6210927d924a750775cc7d77cca6","side":"right"},{"sibling":"0fd8b5059f279c4a4a6688de2472fdbc25543fee183df19b21dacca880354cff","side":"right"},{"sibling":"a04392fb9f2a3a620840e3b3fecd93d12e6d224e481c162389d8ae64e7194599","side":"left"},{"sibling":"c300cf0154c136afc09b1702a0be98f4ba5b6dc5cf57e8cc714ec1eaf4196eff","side":"left"},{"sibling":"d841ad93efda0869e5eb97678f348f03f5caab4353e05ff4bf18f47fb945b822","side":"left"}]},"schema":"crovia.axiom_proof.v1","seal":{"first_collector_run_id":"","first_receipt_hash":"","jsonl_path":"/opt/crovia/substrate/axiom_ledger.jsonl","key_id":"430895f101d38164","last_collector_run_id":"","last_receipt_hash":"","leaf_count":232015,"merkle_root":"62bfb7809bb55667ad7eeebdb48267b9b2c1ee89bb808ea1e6d3a814a15aa402","public_key_hex":"cf742e26f75669dc673cb5c0786a1ae23ae8ca19c347317192ce40c28a7ff25c","run_id":"hourly_json_retrofit_20260617T133701Z","schema":"crovia.seal.v1","seal_family_version":"crovia-seal-family/1","seal_kind":"substrate_batch","sealed_at":"2026-06-17T13:39:59Z","sig_algorithm":"ed25519","signature":"930a3563c643cc7518d048b12a1f5392a96a5edce49533ba0a56f11b6cc69319bb1c800aacc46b52a6941c4d05dae255a45cac757d6093c971b96852c24f140e","signer_version":"1.1.0"},"trust_root":{"key_id":"430895f101d38164","public_key_hex":"cf742e26f75669dc673cb5c0786a1ae23ae8ca19c347317192ce40c28a7ff25c","signature_algorithm":"ed25519","url":"/registry/canon/TRUST_ROOT.md"},"verifier":{"spec":"/registry/canon/AXIOM_RECEIPT_v1.md","url":"/v/axm_43906148ae4202dca65c3b74a45c119d7e8923f59f70314dfe722c1f944c9186"}}