Artificial Intelligence (AI) is rapidly transforming how construction risk is identified, priced, transferred and managed across Europe, challenging long-established assumptions across the insurance and risk management ecosystem. As construction companies increasingly adopt AI-driven technologies such as predictive analytics, autonomous equipment, connected job sites and digital twins, insurers, brokers and risk managers are being forced to reconsider whether traditional underwriting models, liability frameworks and actuarial approaches remain fit for purpose in a world where algorithms increasingly influence operational decisions, safety outcomes and financial losses. This provocative session will explore how AI is reshaping underwriting, claims, distribution and risk governance, and examine critical questions around accountability, insurability, transparency and trust in an AI-enabled construction environment. The discussion will consider whether continuous underwriting through real-time operational data will replace traditional risk assessment, how liability may shift when AI-assisted decisions fail, whether stronger AI governance could become a competitive advantage for construction firms seeking insurance capacity and how insurers and brokers may evolve from traditional risk transfer providers into real-time risk intelligence partners. Bringing together perspectives from construction leaders, insurers, brokers, and risk professionals, the session will provide practical insight into the governance models, operational frameworks, and strategic capabilities organisations will need to adopt AI responsibly while strengthening resilience, improving decision-making, and maintaining insurability in the next era of construction risk.