In this article, our Partner Lara Dagher explores how, as AI-generated artworks enter galleries, auctions, and private collections, traditional fine art insurers face a growing challenge. Existing underwriting frameworks were built around human authorship, physical uniqueness, and clear provenance—assumptions that AI-generated art fundamentally disrupts. The industry must now adapt its models to address new risks related to ownership, valuation, intellectual property liability, and technological dependency.
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