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Physical AI boom heralds deeper disruption for insurers than generative AI, EY warns

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Physical AI risks: From human to system liability

At the heart of the disruption, he said, is a fundamental reallocation of liability. Traditional insurance models, particularly in motor and workers’ compensation lines, have long been anchored to human liability. Autonomous systems, however, distribute risk across a more complex value chain.

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Michael J. Anderson is a U.S.-based fire safety enthusiast and writer who focuses on making fire protection knowledge simple and accessible. With a strong background in researching fire codes, emergency response planning, and safety equipment, he creates content that bridges the gap between technical standards and everyday understanding.

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