The typical stack
- Tech E&O with AI wording checked for autonomous action
- Standalone AI liability
- Cyber liability with attention to agent permissions
- Crime and fidelity where agents can move money
- EPLI and D&O as the company hires
What triggers the purchase
- Agents gaining write access, spend authority, or customer facing autonomy
- Enterprise procurement asking about agent governance
- An agent error with financial consequences
What your customers require
Procurement teams ask about agent inventories, human approval controls, spend caps, and observability. Underwriters are starting to price exactly those factors; Cowbell built its upcoming standalone AI agent policy around them.
Programmes that write this segment
Standalone AI liability policy. Access via our wholesale partners.
Standalone GenAI liability policy (deployers). Access via our wholesale partners.
AI builder cyber and Tech E&O. Access via our wholesale partners.
SME cyber MGA, AI incident cover; standalone AI agent policy coming. 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
What is different about insuring agents versus chatbots?
Autonomy. An agent that can act creates third party loss without a human in the loop, so underwriters look at approval thresholds, tool permissions, and audit logs the way cyber underwriters look at MFA.
Is there a policy built for AI agents?
Yes, the market is arriving now. Cowbell announced a standalone AI agent liability policy for SMEs that goes on sale January 1, 2027 through wholesale brokers, and certification led programmes like AIUC back agent cover with Lloyd's capacity for larger vendors.
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.