Reg. no. 003
Generative AI Liability Insurance
Lloyd's-backed cover for third-party claims that arise from what generative AI systems produce, aimed at gaps where standard commercial general liability may not respond. Atrium and QBE joined Apollo on its capacity panel in February 2026.
- Published limit
- $10M
- limits from $1M to $10M
- Type
- Standalone policy
- For
- Companies that use AI
- How to buy
- Through brokers, on a US excess and surplus lines basis
- Backed by
- Lloyd's, with support from Apollo and other syndicates
- Who it is for
- Enterprises / US mid-market companies deploying generative AI
- Where
- United States, excess and surplus lines; not available in every state
- Launched
- 21 January 2026
- Risks named
- Hallucinations and model errors, IP and content claims, Bias and discrimination, Privacy and data leakage, Bodily injury and property damage, AI regulatory fines and defence
- Record
- Confirmed by issuer
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What the sources don't say: Testudo's own pages give limits from $1M to $10M. Atrium's February 2026 release, on joining Testudo's capacity panel with QBE, cited up to $9.25M per insured. Testudo lists six insuring agreements but no prices.
Latest change 26 Feb 2026. Checked 21 Oct 2026.Sources: Testudo, Testudo, Atrium Underwriting Group, FinTech Global, Coverager, The Insurer, The Insurer, Insurance Insider US, independentagent.com