What insurance does an AI startup need?

The program usually anchors on tech E&O and cyber, because the live exposures are your model's output causing a customer a loss and your systems leaking data. General liability comes with the first lease or contract that demands a certificate, and D&O arrives with the first priced round.

If our agent makes a mistake in a customer workflow, whose insurance responds?

The claim comes to you. Model providers' terms push liability downstream to whoever deployed the system, and your customer's contract is with you. Tech E&O is the line built to answer that claim, subject to the policy's wording.

Do standard tech policies cover AI products?

The standard forms were written before agents existed, and carriers quote them anyway. Some have begun filing AI exclusions that sit quietly in the paper until there is a loss, which is why every form gets read before anything binds.

What will enterprise procurement ask us to carry?

The common asks are tech E&O, cyber, and general liability certificates at stated limits, often one to five million dollars depending on the deal. Having the program placed before the security review starts keeps insurance off the critical path.

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Who we insure

AI Software & Agents

For teams whose product does the work itself: agents handling customer workflows, models making calls that used to be a person's job, AI features shipped inside software customers rely on.

The exposure

If an agent mishandles a customer workflow or a model output causes a customer a loss, the claim comes to you. The model provider's terms push that liability downstream to whoever deployed it.

Standard technology forms were written before any of this existed. Carriers quote them anyway, and some have started filing AI exclusions that sit quietly in the paper until there's a loss. We read every form that comes back before anything binds.

Common questions

What insurance does an AI startup need?: The program usually anchors on tech E&O and cyber, because the live exposures are your model's output causing a customer a loss and your systems leaking data. General liability comes with the first lease or contract that demands a certificate, and D&O arrives with the first priced round.
If our agent makes a mistake in a customer workflow, whose insurance responds?: The claim comes to you. Model providers' terms push liability downstream to whoever deployed the system, and your customer's contract is with you. Tech E&O is the line built to answer that claim, subject to the policy's wording.
Do standard tech policies cover AI products?: The standard forms were written before agents existed, and carriers quote them anyway. Some have begun filing AI exclusions that sit quietly in the paper until there is a loss, which is why every form gets read before anything binds.
What will enterprise procurement ask us to carry?: The common asks are tech E&O, cyber, and general liability certificates at stated limits, often one to five million dollars depending on the deal. Having the program placed before the security review starts keeps insurance off the critical path.

Start your application All coverage lines

Lines that anchor the program

These are the usual starting points for this segment. Every program is built line by line inside the application.

This page describes coverage in general terms. It is not an offer of insurance and not evidence of coverage. Carrier appetite, policy wording, licensing, and availability govern every quote and every claim.