Autonomous liability is born in surplus lines, not the admitted pool.
With no actuarial record for exposure blending product liability, auto liability, and software failure — and admitted commercial auto chronically unprofitable — AM Best expects driverless coverage to originate in non-admitted markets and bespoke fleet programs while admitted carriers keep the shrinking-but-intact personal-auto pool.
The same conclusion keeps arriving from across the workspace's research — 1 topics independently instantiate this theme. Filter the evidence by where it came from:
AM Best explicitly locates the new hybrid exposure outside the admitted market, where actuarial data and rate regulation cannot yet reach it.
Aurora formally presents its arranged liability and insurance structure — surplus-lines and self-insurance territory — as an investor headline, showing commercial AV risk is carried by bespoke structures rather than admitted carriers.