Is My Agent Legal? / ResourcesWho insures AI agents? Many general liability, E&O and D&O policies now exclude AI or say nothing about it. A small market has formed to fill that gap. These are the insurers and products we know of that explicitly cover harm caused by AI systems and agents, with links to where each one describes its policy.
18 products · last checked 2026-09-26
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Check your agent Dedicated AI liability and agent insurance Products built specifically to cover harm caused by AI systems and agents, sold as standalone policies, warranties or programs.
Affirmative AI Liability, Vanguard AI (with Chaucer), Armilla Guaranteed
Type Standalone liability + performance warranty For Enterprise AI vendors and deployers Limits Up to $25M+ per organization Capacity Lloyd's coverholder (Chaucer and other syndicates) Underwriting AI system assessment required before binding Hallucinations Model drift Agent errors Regulatory violations Defense costs AI performance guarantee (also via Mosaic Insurance)
Type Performance guarantee For AI developers and vendors backing performance promises Limits Up to 15M (USD/EUR/CAD) via Mosaic Capacity Munich Re; Mosaic Underwriting Model-level performance evaluation Breach of predefined performance thresholds Financial loss from AI underperformance Type Standalone liability For US mid-market companies deploying GenAI Limits $1M to $10M per insured Capacity Lloyd's (Apollo, Atrium, QBE) Underwriting Litigation and incident data; no technical audit GenAI errors IP and personal injury Data disclosure Bodily injury / property damage AI regulatory violations AI Liability Insurance for Small Businesses
Type SMB liability, sold through partner carriers For Small and mid-sized businesses Limits Not disclosed Capacity HSB Underwriting Via partner carriers' business policies Bodily injury / property damage from AI use Advertising injury from AI-generated content AIUC-1 certification + AI agent insurance
Type Certification + insurance For Enterprises deploying agents; AI vendors bundling cover Limits Not disclosed Capacity Not disclosed Underwriting AIUC-1 certification (adversarial testing) required Agent failures across security, safety, reliability, privacy, accountability Type Tech E&O, excess DIC wrap, first-party For AI companies and deployers whose programs exclude AI Limits Not disclosed Capacity Relm (Bermuda) Underwriting Broker placement Professional negligence IP Discrimination AI regulation fines (where insurable) Business interruption and reputational harm Tech & AI Liability; AI and Algorithmic Liability Endorsement
Type Carrier policy for startups For Venture-backed startups, AI agent companies Limits Not disclosed Capacity Corgi (full-stack carrier) Underwriting Online quote and bind Model performance and hallucination Algorithmic bias Training data disputes ActiveCover AI Agent Liability
Type AI agent liability For Mid-market and enterprise companies deploying agents Limits Not disclosed Capacity Mount (AI-native carrier) Underwriting Scanning and red-teaming of the agent workflow Operational failures Prompt injection and security events Regulatory exposure AI agent certification, warranty and liability
Type Insurance-backed warranty + liability For Startups selling AI agents to enterprise Limits Not disclosed Capacity A-rated capacity (carrier not disclosed) Underwriting Agent testing before cover; parametric triggers Incorrect or unauthorized actions Data failures Excess token spend from attacks Affirmative AI Liability Program
Type D&O + EPL + E&O with DIC/excess layer For Enterprises deploying AI in regulated sectors Limits $5M across coverage parts Capacity Hadron Underwriting Proprietary form and risk selection Board and management AI liability AI-driven employment claims Professional liability from AI Type AI liability (EU) For EU AI deployers Limits Not disclosed Capacity Not disclosed Underwriting Not disclosed AI liability under EU regimes (coverage opening Q3 2026) Affirmative AI cover on existing policies Cyber, tech E&O and professional liability policies that now state explicitly that AI-related claims are covered. Check scope carefully: some cover AI as an attack vector, not liability for your own agent's outputs.
AI Insurance (with Corix, a Hiscox division)
Type AI E&O for startups For VC-backed AI startups Limits Not disclosed Capacity Corix / Hiscox Underwriting Online Hallucinations Algorithmic bias Regulatory defense IP claims Type Endorsement on every professional liability policy For Small and mid-sized professional firms Limits Per underlying policy Capacity Aspen, Markel, Westfield Specialty and others Underwriting Via brokers; AI governance favoured AI-assisted professional services errors Hallucinated reports AI hiring bias Affirmative AI across seven lines
Type Embedded in tech E&O, PI, eHealth, IP, management, media, cyber For Tech and professional firms Limits Per underlying policy Capacity CFC Underwriting Via brokers Hallucinations AI-generated content Model drift Type Tech E&O / cyber endorsement For Startups Limits Per underlying policy Capacity Not disclosed Underwriting Automatic on eligible quotes AI-related tech E&O and cyber claims Affirmative AI in cyber and tech E&O
Type Cyber / tech E&O wording For Cyber and tech E&O buyers Limits Per underlying policy Capacity Beazley / Lloyd's Underwriting Via brokers Affirmative AI Endorsement
Type Cyber endorsement For Cyber policyholders (US surplus, Canada) Limits Per underlying policy Capacity Coalition Underwriting Via brokers AI security events Deepfake reputational harm Covers AI as an attack vector, not your AI's output liability.
Cyber Insurance Hub (Beazley, Chubb, Munich Re)
Type Platform cyber program For Google Cloud customers Limits Per policy Capacity Beazley, Chubb, Munich Re Underwriting Cloud security posture telemetry Affirmative AI cover for Google Cloud AI workloads This page is for information only. It is not insurance, legal or financial advice, and it is not a recommendation or endorsement of any insurer or product. Carver Agents has no commercial relationship with the companies listed unless stated. Coverage terms, limits and availability change often and vary by jurisdiction and insured; details here are compiled on a best-effort basis from public sources and may be incomplete or out of date. Confirm everything with the insurer or a licensed broker before relying on it. Spotted an error or a missing product? Email legal@carveragents.ai .