First split: do you build AI, or deploy it?
Builders
You sell AI: models, agents, AI features customers rely on. Your exposures are model performance, training data IP, output liability, and bias claims. Your markets are standalone builder cover and Tech E&O with affirmative AI wording.
Deployers
You use AI: GenAI features, agents, third party models inside a non AI business. Your exposures are output errors, data disclosure, and reliance claims, plus exclusions arriving in your existing programme. Your market is deployer GenAI liability and affirmative endorsements.
The gap opening at your renewal
ISO's January 2026 GenAI exclusion forms for general liability (CG 40 47, CG 40 48, CG 35 08) are being adopted carrier by carrier, and at least one major carrier group has filed an absolute AI exclusion across management liability lines. The practical result: a renewal can remove AI cover you never knew was silent, in the same year your customers start requiring it expressly. Read the ISO AI exclusions guide, then audit the programme.
The dedicated programmes
A dedicated standalone AI liability policy from a Lloyd's coverholder built only for AI risk. It sits alongside Tech E&O and covers the AI specific claims that general forms are starting to exclude or sublimit.
Access via our wholesale partners
A standalone, claims made GenAI liability policy for companies that deploy generative AI in their products and operations. It is not built for companies selling AI models; those need a builder product such as Tech E&O with AI cover or a standalone builder policy.
Access via our wholesale partners
aiSure is not conventional liability insurance. It is a performance guarantee: if the AI system fails to hit the measured performance it was sold on, aiSure pays. It is the oldest dedicated AI insurance product in the market, running since 2018.
Access via our wholesale partners
Relm built three distinct AI forms: NOVAAI for AI platform and product companies (cyber plus Tech E&O), PONTAAI as an excess wrap that drops down where an existing programme excludes AI, and RESCAAI for first party response costs for users of third party AI.
Access via our wholesale partners
Cowbell is the SME end of the AI market. Its cyber base form already includes AI incident cover, and its announced standalone AI agent liability policy, priced on observability, autonomy, and governance factors, goes on sale January 1, 2027 through wholesale brokers only.
Access via our wholesale partners
Choosing between the two Lloyd's programmes is the most common decision in this market: Armilla vs Testudo.
Endorsements inside standard lines
Beazley affirmed AI in US cyber and Tech E&O and added shutdown and regulatory defence endorsements in September 2026. CFC rolled affirmative wording across seven lines in June 2026. Embroker's AI endorsement adds a pre claim algorithm removal benefit. Coalition covers AI as an attack vector, a different and also valuable thing. For many deployers, the right answer is one of these inside the programme they already buy.
Frequently asked questions
What is AI liability insurance?
Cover for claims arising from AI systems: wrong or harmful outputs, bias and discrimination, training data and output IP claims, data leakage, and regulatory investigations. It comes as an endorsement on Tech E&O or Cyber, a standalone policy, or a performance guarantee.
Who are the real AI insurance specialists?
By dedicated product and published limits: Armilla and Testudo at Lloyd's, Munich Re aiSure, and Relm lead, with material affirmative endorsements from Beazley, CFC, Embroker, and AXA XL. Advisory only firms, including the large global brokers, sell no AI product of their own.
We just deploy AI, we do not build it. Do we still need this?
Deployers are the underserved segment. Your exposures are output errors, data disclosure, and reliance claims, and your existing GL may pick up a GenAI exclusion at renewal. Testudo was built for exactly this buyer.
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.