Lines
Cyber and Tech E&O
Launched
January 2025
Insurer
Relm (Bermuda specialty)
Sister forms
PONTAAI, RESCAAI
What it covers
- Cyber and Tech E&O for AI product companies under NOVAAI
- IP infringement and discrimination, affirmatively, under NOVAAI and PONTAAI
- Gap filling over AI excluding programmes under PONTAAI
- First party business interruption, reputational harm, and incident response under RESCAAI
Watch out for
- Bermuda market placement; this is specialty work, not a portal quote
- Public limit disclosure is thinner than the Lloyd's programmes
Who it fits
- AI builders with emerging tech or Web3 adjacent profiles that standard markets decline
- Companies whose incumbent programme excludes AI and need a wrap
Who it does not fit
- Clean mainstream SaaS risks, which price better in standard markets
Frequently asked questions
What is a difference in conditions wrap?
An excess policy designed to drop down and fill gaps in the programme beneath it. As AI exclusions spread through standard forms, PONTAAI style wraps are the direct answer to a renewal that quietly removed AI cover.
Source: Program details from Relm's published product materials and legal market commentary, as compiled in our research checked November 14, 2026.
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.