This page explains how carriers qualify for inclusion in the Agent Insured Carrier Comparison Matrix, the independence standards governing our market tracking, and our roadmap for the 2027 institutional partner programme. It should be read alongside our Editorial Standards.
Agent Insured is a pre-launch coverage platform tracking the AI agent liability insurance market in the European Union. We maintain a Carrier Comparison Matrix of carriers, syndicates, MGAs, and Lloyd's coverholders that have announced or are writing AI-specific liability coverage for European operators. The Matrix is the reference document for operators, brokers, risk managers, and advisers assessing what coverage is currently available and on what terms.
Our editorial analysis, the Monitor (market intelligence briefing), and the tools we publish are all produced on an editorial basis and are independent of any commercial relationship. The platform earns no commission from any carrier or broker featured in the Matrix or the tools.
In 2026, this site operates on an editorial-only basis. No carrier, MGA, broker, reinsurer, or third party pays for inclusion, ranking, favourable framing, or any form of commercial placement on this site or in the Comparison Matrix. Carrier inclusion is entirely editorial and based on the criteria below.
This commitment is set out in detail in our Editorial Standards.
A carrier or programme qualifies for inclusion in the Carrier Comparison Matrix if it meets all of the following criteria.
The carrier must be actively writing or committed to writing AI-specific liability limits in the 2026 policy year. This means limits that are expressly designated for AI agent liability exposure in the carrier's product documentation, as distinct from standard professional indemnity, cyber, or general liability coverage that may incidentally apply to AI claims. Products that rely entirely on the absence of AI-specific exclusions, without any affirmative AI liability coverage, do not qualify.
The carrier must have made a verifiable public announcement of the product. Acceptable forms of verification include a press release published on the carrier's website or distributed through a recognised newswire; a product page on the carrier's website with sufficient detail to characterise the product; a published Lloyd's Market Bulletin, Slip, or equivalent formal market document; or a verified announcement in a recognised specialist trade publication. Verbal commitments, unverified reports, or broker-only distribution without public documentation do not qualify.
The programme must have a named product designation, as opposed to a bespoke or unnamed arrangement that cannot be reliably referenced across sources. Where a product operates under different names in different markets, both names are recorded.
The carrier must have demonstrated capacity to write the product. We accept evidence of Lloyd's syndicate capacity, authorised insurer status in at least one EU or UK regulated market, or a named reinsurance arrangement sufficient to support the stated limits. Programmes backed solely by surplus lines or non-admitted carriers without any regulated EU or UK entity in the chain are tracked in a separate section of the Matrix and clearly labelled.
For inclusion in the primary Matrix, the programme must be available to policyholders domiciled in at least one EU member state. Programmes available only to US or UK policyholders are tracked in a separate international section. Programmes available globally are included in both sections.
We anticipate introducing a paid Partners tier in 2027 for verified institutional participants. The programme has not launched. The following is indicative only.
Tier 1: Reference Listing. A verified carrier, MGA, Lloyd's coverholder, or specialist broker with a qualifying product in the Matrix receives an enhanced named profile page, including a detailed product summary and a direct link to their underwriting team. Illustrative annual range: EUR 5,000 to EUR 25,000.
Tier 2: Sponsored Research Briefing. A commissioned briefing on AI liability market dynamics, underwriting considerations, or product development, clearly labelled as sponsored content, published separately from editorial coverage and the Monitor. Illustrative range: EUR 25,000 to EUR 100,000 per engagement.
Tier 3: Institutional Partnership. A multi-year arrangement including data licensing for the Carrier Comparison Matrix dataset, co-branded market research, and visibility across the full Authority Stack. Pricing on application.
All paid placements will be visibly labelled as commercial. Paid partnership does not affect a carrier's position in the Matrix, the criteria applied to Matrix inclusion, or the framing of any market analysis. A carrier that enters the paid partner programme is not guaranteed a favourable Matrix ranking, and a carrier that does not enter the programme is not penalised.
Inclusion in the Carrier Comparison Matrix means that a carrier meets the editorial criteria above. It does not constitute an endorsement by Agent Insured or Future Proof Intelligence of the carrier's financial strength, claims-paying ability, coverage terms, or suitability for any particular policyholder. We are not a broker, not a regulator, not a financial ratings agency, and not an authorised insurance intermediary. Operators should consult a qualified broker before purchasing any coverage.
If you represent a carrier, MGA, syndicate, or Lloyd's coverholder that meets the criteria above and is not yet included in the Carrier Comparison Matrix, please write to carriers@agentinsured.eu with the subject line "Matrix inclusion." Include a link to the verifiable public announcement and the product name. We will review and follow up if the criteria are met. Inclusion is editorial and free of charge. There is no guarantee of inclusion following a submission.
If you represent a carrier, broker, reinsurer, or institutional participant in the AI liability insurance market and you would like to be informed when the 2027 partner programme launches, please write to carriers@agentinsured.eu. We will contact you when the consultation process opens. We do not commit to launch dates beyond 2027.
The conflicts of interest applicable to this site are set out in Section 5 of the Editorial Standards. Future Proof Intelligence is the publisher. FP has a commercial interest in the development of the AI agent insurance and certification market. This interest is disclosed and does not affect editorial coverage decisions or Matrix inclusion criteria.