The typical stack
- Tech E&O with affirmative AI wording or a named AI endorsement
- Standalone AI liability for higher limits (Armilla, via wholesale partners)
- Cyber liability
- D&O and EPLI (management liability)
- Media and IP liability
What triggers the purchase
- Enterprise customers asking how AI risk is insured
- Training data and output IP questions in diligence
- Regulatory exposure under the EU AI Act and state AI laws
What your customers require
Enterprise buyers now ask whether AI is affirmatively covered, what the AI sublimit is, and who the paper is. A silent policy is a weak answer in a security and legal review.
Programmes that write this segment
Standalone AI liability policy. Access via our wholesale partners.
Management liability suite (MGA programme). Access via our wholesale partners.
Specialty carrier, affirmative AI wording. Access via our wholesale partners.
Lloyd's MGA, affirmative AI wording across lines. Access via our wholesale partners.
Not sure where you fit? Take the coverage quiz and we will map the stack from your answers.
Frequently asked questions
Do AI startups need a standalone AI policy?
Not always. If your Tech E&O affirmatively covers AI at full limits, that may be enough at seed. Standalone AI liability becomes the answer when customers require higher limits, when the base form sublimits AI, or when you need cover the base form excludes, like algorithm removal or specific regulatory defence.
What do underwriters ask AI companies now?
Training data sources and rights, model evaluation and red teaming, human oversight of outputs, customer use restrictions, and incident history. We prepare these answers with you before submission.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.