Who insures AI?

As of 21 October 2026 we track 28 AI insurance policies and endorsements from 22 insurers, MGAs and other companies. Standalone AI policies sit alongside AI wording added to cyber, tech E&O and professional liability. Filter by whether your company builds AI or uses it.

Showing all 28 listings

Reg. no. 009Confirmed by issuer
Beazley
AI Voluntary Shutdown Endorsement
An endorsement to Beazley's Full Spectrum Cyber policy for a business that voluntarily suspends its own malfunctioning AI system to prevent further financial harm. Beazley presents it as an industry first.
Published limit
Not published
Type
Endorsement
For
Companies that use AI
How to buy
Added to Beazley cyber policies
Latest change 24 Sep 2026Details and sources
Reg. no. 010Confirmed by issuer
Beazley
AI Regulatory Defence & Penalties Endorsement
An endorsement to Beazley's Full Spectrum Cyber policy for businesses whose unintentional misuse of AI leads to regulatory investigations or fines. Beazley aims it at firms with sound AI governance.
Published limit
Not published
Type
Endorsement
For
Companies that use AI
How to buy
Added to Beazley cyber policies
Latest change 24 Sep 2026Details and sources
Reg. no. 011Confirmed by issuer
CFC
Affirmative AI wording across seven products
CFC wrote explicit AI wording into seven existing policies rather than launching a separate AI product: Tech E&O, Professional Liability, eHealth, Intellectual Property, Management Liability, Media and Cyber Proactive Response.
Published limit
Not published
Type
Endorsement
For
Companies that build or use AI
How to buy
Built into CFC products
Latest change 23 Sep 2026Details and sources
Reg. no. 022Confirmed by issuer
Beazley
Affirmative AI wording
Beazley added an endorsement to its cyber and tech E&O policies that states AI-related risks sit within its Full Spectrum cyber cover, so clients do not have to infer it.
Published limit
Not published
Type
Endorsement
For
Companies that build or use AI
How to buy
Not stated
Latest change 17 Sep 2026Details and sources
Reg. no. 012Confirmed by issuer
Mayflower Specialty with Hadron Insurance
AI liability program
An affirmative AI liability program for enterprises deploying AI, spanning D&O, EPL and E&O plus a difference-in-conditions and excess layer for gaps in older policies. Hadron issues the policies and Mayflower underwrites.
Published limit
Not published
Type
Program
For
Companies that use AI
How to buy
Direct, through a broker, or embedded through partners
Latest change 24 Jun 2026Details and sources
Reg. no. 023Trade press only
AIUC with Beazley
Specialist AI liability product on Beazley paper
Trade press reported in May 2026 that AIUC secured underwriting capacity from Beazley to build a specialist liability product for AI companies. No limits, pricing, customers or launch date were published in the source reviewed.
Published limit
Not published
Type
Standalone policy
For
Companies that build AI
How to buy
Not stated
Latest change 15 May 2026Details and sources
Reg. no. 007Confirmed by issuer
Corgi
Modular AI coverage on tech E&O
Corgi sells AI-specific coverage modules that attach to its tech E&O policy, so buyers pick only the AI exposures that fit, alongside a full startup insurance package quoted online. It operates as a licensed carrier and program administrator.
Published limit
Not published
Type
Endorsement
For
Companies that build or use AI
How to buy
Online, direct
Latest change 6 May 2026Details and sources
Reg. no. 013Confirmed by issuer
Cowbell with Chaucer
Prime One
Cowbell's non-admitted cyber product for larger US businesses explicitly picks up AI-related incidents alongside quantum-computing risks and a full cyber coverage base. The reported maximum limit is $10 million.
Published limit
$10Mmaximum limit
Type
Standalone policy
For
Companies that use AI
How to buy
Not stated
Latest change 21 Apr 2026Details and sources
Reg. no. 014Announced, not yet sold
HSB with Munich Re
AI Liability Insurance for small businesses
HSB announced AI liability cover for small and mid-sized businesses that fills holes where general liability policies exclude AI-related claims. It is to be delivered through partner carriers, subject to regulatory approval, with no launch date given.
Published limit
Not published
Type
Endorsement
For
Companies that use AI
How to buy
Through partner carriers
Latest change 18 Mar 2026Details and sources
Reg. no. 003Confirmed by issuer
Testudo
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
$10Mlimits 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
Latest change 26 Feb 2026Details and sources
Reg. no. 004Confirmed by issuer
Mosaic Insurance with Munich Re
AI performance cover
Mosaic, working with Munich Re's aiSure team, offers cover for financial losses when an AI model misses defined performance thresholds. It targets any company commercialising AI and is meant to complement cyber and tech E&O rather than replace them.
Published limit
15Minitial capacity, EUR, USD or CAD
Type
Standalone policy
For
Companies that build AI
How to buy
Through brokers
Latest change 26 Feb 2026Details and sources
Reg. no. 015Confirmed by issuer
AIUC
AIUC-1-backed AI agent insurance
AIUC publishes the AIUC-1 security, safety and reliability standard for AI agents, audits against it, and links insurance terms to the audit outcome. ElevenLabs announced in February 2026 that it was the first to go live with an AIUC-1-backed policy for its voice agents, though no insurer was named.
Published limit
Not published
Type
Certification-backed cover
For
Companies that build or use AI
How to buy
Through AIUC-1 certification
Latest change 12 Feb 2026Details and sources
Reg. no. 002Confirmed by issuer
Chaucer with Armilla
Vanguard AI
Two-part structure from Chaucer and Armilla that pairs Chaucer's cyber and tech E&O with Armilla's standalone AI liability policy under agreed rules for splitting mixed losses. The aim is to stop AI-driven claims from eating into cyber or tech E&O limits.
Published limit
$25M+AI aggregate, alongside $10M cyber
Type
Program
For
Companies that use AI
How to buy
Surplus lines brokers
Latest change 10 Feb 2026Details and sources
Reg. no. 001Confirmed by issuer
Armilla
Armilla Insured
Armilla's standalone policy responds to third-party losses caused by AI behaviour, such as hallucinations, drift, harmful outputs and agent mistakes, and is designed to respond ahead of conventional cyber or E&O wording. Each policy comes with independent AI system certification and risk reporting and is placed on Lloyd's paper through surplus lines brokers.
Published limit
$25Mup to, per organization
Type
Standalone policy
For
Companies that build or use AI
How to buy
Surplus lines brokers, or Armilla underwriting after an AI risk assessment
Latest change 21 Jan 2026Details and sources
Reg. no. 016Confirmed by issuer
Counterpart
Affirmative AI Coverage
Counterpart extended its small-business professional liability lines with explicit cover for mistakes made by AI tools the insured uses or relies on. It also added a technology E&O insuring agreement.
Published limit
Not published
Type
Endorsement
For
Companies that use AI
How to buy
Through brokers
Latest change 21 Nov 2025Details and sources
Reg. no. 008Confirmed by issuer
Embroker
Artificial Intelligence Coverage Endorsement
Embroker adds its Artificial Intelligence Coverage Endorsement to eligible tech E&O and cyber quotes. It confirms AI-delivered services and AI-integrated products are in scope, and covers claims over biased AI output, regulatory probes of how AI is built or used, and the cost to fix or remove a flawed AI system at a client's request.
Published limit
$150Kfor algorithm removal
Type
Endorsement
For
Companies that build AI
How to buy
Online, direct
Latest change 5 Aug 2025Details and sources
Reg. no. 026Confirmed by issuer
Google Cloud
Risk Protection Program with affirmative AI cover
Google Cloud pairs a free security-configuration scan with cyber policies from partner insurers. Since May 2025 the program has included affirmative AI coverage for Google-related AI workloads; Google does not say which insurer writes it.
Published limit
Not published
Type
Program
For
Companies that build or use AI
How to buy
Through a licensed broker after a free security scan
Latest change 15 May 2025Details and sources
Reg. no. 024Confirmed by issuer
Hiscox
Technology Professional Indemnity with affirmative AI cover
Hiscox UK rewrote its technology professional indemnity wording so that client claims arising from the insured's use of AI, including generative AI, are expressly covered. The earlier wording did not specifically address them.
Published limit
Not published
Type
Endorsement
For
Companies that build AI
How to buy
Not stated
Latest change May 2025Details and sources
Reg. no. 005Confirmed by issuer
Relm Insurance
NOVAAI
A cyber and tech E&O policy built for companies that develop and sell AI software, covering product liability, AI-generated content and regulatory exposure. It also includes a deepfake-related crime grant.
Published limit
Not published
Type
Standalone policy
For
Companies that build AI
How to buy
Licensed brokers
Latest change 14 Jan 2025Details and sources
Reg. no. 017Confirmed by issuer
Relm Insurance
PONTAAI
An excess difference-in-conditions wrap that sits over a company's existing liability programme to pick up AI-related claims those policies may exclude. It spans negligence, IP, discrimination, privacy, injury and regulatory breaches.
Published limit
Not published
Type
Standalone policy
For
Companies that build or use AI
How to buy
Licensed brokers
Latest change 14 Jan 2025Details and sources
Reg. no. 018Confirmed by issuer
Relm Insurance
RESCAAI
A first-party policy that pays response and loss costs when an AI system the insured relies on goes wrong, including downtime, reputational damage and recalls. It targets companies that run on or embed someone else's AI.
Published limit
Not published
Type
Standalone policy
For
Companies that use AI
How to buy
Licensed brokers
Latest change 14 Jan 2025Details and sources
Reg. no. 025Confirmed by issuer
AXA XL
Gen AI endorsement to CyberRiskConnect
AXA XL added a generative-AI endorsement to its CyberRiskConnect policy for companies that build their own models. It targets training-data contamination, copyright and licence gaps, and EU AI Act liability.
Published limit
Not published
Type
Endorsement
For
Companies that build AI
How to buy
Not stated
Latest change 21 Oct 2024Details and sources
Reg. no. 006Confirmed by issuer
Coalition
Affirmative AI Endorsement
Coalition's endorsement spells out that AI-caused security failures and deepfake-driven payment fraud are covered under its cyber policies. It was announced in March 2024 as an add-on for eligible surplus and Canadian policies.
Published limit
Not published
Type
Endorsement
For
Companies that use AI
How to buy
Through brokers
Latest change 26 Mar 2024Details and sources
Reg. no. 019Confirmed by issuer
Coalition
Deepfake Response Endorsement
Coalition's current Active Cyber offering adds a Deepfake Response Endorsement for reputational damage from fake media and an Enhanced Privacy Endorsement for AI-related web privacy claims. The page also maps common AI loss scenarios to existing cyber and tech E&O coverage parts.
Published limit
Not published
Type
Endorsement
For
Companies that build or use AI
How to buy
Through brokers
Latest change Not datedDetails and sources
Reg. no. 020Confirmed by issuer
Armilla
Armilla Guaranteed
A performance warranty that lets an AI vendor stand behind specified accuracy or quality metrics, with a pay-out funded if those metrics are not met. Armilla stresses that this is a contractual guarantee rather than an insurance policy.
Published limit
Not published
Type
Performance warranty
For
Companies that build AI
How to buy
Contact Armilla after an AI risk assessment
Latest change Not datedDetails and sources
Reg. no. 021Confirmed by issuer
Munich Re
aiSure
Munich Re's suite for AI risk, aimed at both AI vendors who want to back their products with warranties and companies that rely on AI at scale. It is described as suited to frequent, smaller AI errors that can add up to large aggregate or class-action exposure.
Published limit
Not published
Type
Program
For
Companies that build or use AI
How to buy
Munich Re directly, or partner programs
Latest change Not datedDetails and sources
Reg. no. 027Announced, not yet sold
Ollive
AI liability for AI vendors, with runtime monitoring
A start-up pairing runtime monitoring of AI agents with planned liability cover for AI vendors. Its site says the insurance program is being designed, with risk to be carried by a licensed insurer.
Published limit
Not published
Type
Planned launch
For
Companies that build AI
How to buy
Book a demo with Ollive
Latest change Not datedDetails and sources
Reg. no. 028Confirmed by issuer
Vouch with Hiscox
AI endorsement on E&O, with Corix
Vouch says it can place E&O for AI companies with an AI-specific endorsement from Corix, which it describes as a division of Hiscox. The endorsement covers IP claims over training data or model outputs, bias and discrimination claims, regulatory defence costs and errors in AI model performance.
Published limit
Not published
Type
Endorsement
For
Companies that build AI
How to buy
Through Vouch
Latest change Not datedDetails and sources

Where startup insurers stand on AI

Brokers and insurers that sell to startups take different positions. Some sell affirmative AI cover; others publish advice only.

CorgiCovers AICorgi is a startup insurer that operates as a licensed carrier and sells modular AI coverage on its tech E&O policy, quoted online.Insurer. 1 listing
EmbrokerCovers AIEmbroker sells startup insurance online and adds its Artificial Intelligence Coverage Endorsement to eligible tech E&O and cyber quotes.Digital broker. 1 listing. 5 Aug 2025: Embroker AI endorsement on Tech E&O and cyber
VouchCovers AIVouch is a startup insurance broker. Its AI page says it can place E&O for AI companies with an AI-specific endorsement from Corix, which it describes as a division of Hiscox. Vouch agreed in 2025 to sell its underwriting business to Hiscox.Digital broker. 1 listing
Founder ShieldCovers AIFounder Shield, a startup insurance broker owned by The Baldwin Group, lists a Gen AI Liability line. It retired its brand in October 2026 and now operates as Baldwin's Innovation Practice.Digital broker. 16 Oct 2026: Founder Shield brand retired into Baldwin
At-BayAdvice onlyAt-Bay is a cyber insurtech that publishes AI risk guidance but no AI-specific coverage on its site. Munich Re agreed to buy it in August 2026.Insurtech MGA. 19 Aug 2026: Munich Re agrees to buy At-Bay
NewfrontSilentNewfront is a tech-enabled broker acquired by WTW. We found no AI-specific offering on its site.Broker

Questions people ask

Which insurance companies cover AI?

Standalone AI policies on the register come from AIUC, Cowbell, Testudo, Mosaic Insurance, Armilla and Relm Insurance. Others add affirmative AI wording to cyber, tech E&O or professional liability policies, among them Coalition, Beazley, CFC, Hiscox and AXA XL. Each listing links to its source.

Can a small business buy AI insurance?

Some of the cover we track is sold online to small companies, such as Corgi and Embroker's AI endorsements on tech E&O. HSB has announced AI liability for small businesses through partner carriers, pending regulatory approval. Most standalone AI policies are sold through brokers.

Why do some listings show no limit?

We only show a limit when the insurer or a cited source publishes one. A blank limit means none is published, not that the cover is unlimited or that we estimated it.

Does any insurer pay to be listed?

No. Listings are free, not ranked by payment and not sponsored. We do not sell insurance or take commissions.