{ "name": "Agent Insured carrier comparison matrix", "description": "Specialist carriers and programmes writing AI liability insurance reachable by European buyers. Every entry is verified at the named party's own domain; the source URL and the date it was checked are on each record. Figures that could not be verified at source are absent by design rather than hedged.", "publisher": "Future Proof Intelligence", "canonical": "https://agentinsured.eu/tools/carrier-comparison/", "machineReadable": "https://agentinsured.eu/tools/carrier-comparison/carriers.json", "licence": "Free to cite. Cite the underlying source named on each record alongside this desk.", "lastVerified": "2026-08-17", "updateCadence": "Re-verified at each carrier's own domain on the date shown. Quarterly review, and on any published carrier change.", "verificationStandard": "A claim naming a carrier and stating a figure, a date or a policy term is read on that carrier's own domain or it does not appear. A trade article, a law-firm briefing and a search-engine summary are not verification.", "notVerified": [ { "claim": "ISO CG 40 47, CG 40 48 and CG 35 08 generative AI exclusion endorsements, their titles, edition dates and January 2026 effective date", "status": "REPORTED, NOT CONFIRMED", "detail": "Reported by trade press and law-firm analysis of the ISO multistate general liability filing. Not confirmed at ISO, at Verisk, or through a state insurance filing portal as at 2026-08-17. ISO forms are a subscription product, so absence of a public record is not evidence a form does not exist. Confirm the form number and edition date on your own endorsement schedule." }, { "claim": "Percentage sublimits for AI losses attributed to named London market cyber carriers", "status": "REMOVED", "detail": "Checked at beazley.com and qbe.com on 2026-08-17. Neither publishes the sublimit wording attributed to it in the trade press. What QBE does publish is an affirmative LLMjacking coverage grant, which points the other way." }, { "claim": "A market-size projection for AI insurance attributed to AIUC", "status": "REMOVED", "detail": "No market-size figure of any kind is published on aiuc.com, checked 2026-08-17." } ], "regulatoryContext": { "lastVerified": "2026-08-17", "source": "https://digital-strategy.ec.europa.eu/en/policies/regulatory-framework-ai", "note": "The AI Omnibus entered into force 27 July 2026. Any source stating that EU AI Act high-risk obligations applied from 2 August 2026 is describing a superseded position.", "dates": [ { "date": "2025-02-02", "applies": "Article 5 prohibited practices and the Article 4 AI literacy duty. Unchanged by the Omnibus." }, { "date": "2025-08-02", "applies": "GPAI obligations (Articles 53 and 55) and the Article 99 penalty provisions. Unchanged by the Omnibus." }, { "date": "2026-07-27", "applies": "AI Omnibus entered into force." }, { "date": "2026-08-02", "applies": "Transparency obligations including Article 50, and the governance rules. From this date the AI Office and the authorities of the Member States are responsible for implementing, supervising and enforcing the AI Act." }, { "date": "2026-12-09", "applies": "Revised Product Liability Directive (EU) 2024/2853. Never in scope of the Omnibus, and now the nearest remaining deadline." }, { "date": "2027-12-02", "applies": "Annex III standalone high-risk systems. Moved from 2 August 2026 by the Omnibus." }, { "date": "2028-08-02", "applies": "Annex I high-risk AI embedded in regulated products. Moved by the Omnibus." } ] }, "carrierCount": 8, "carriers": [ { "id": "munich-re-aisure", "name": "Munich Re aiSure", "parent": "Munich Re Group", "product": "aiSure AI performance insurance", "launchDate": "Mosaic partnership 26 February 2026", "launchYear": 2026, "posture": "Performance Guarantee", "segment": [ "Mid-market", "Enterprise" ], "geography": [ "EU", "Global" ], "capacity": "Up to EUR/USD/CAD 15 million in initial capacity via Mosaic Insurance, which underwrites and markets Munich Re aiSure. Larger bespoke programmes available for enterprise clients.", "capacityRank": 15, "coverage": "Algorithmic bias; privacy failures; intellectual property infringement from AI outputs; performance shortfalls against agreed accuracy, hallucination rate, or uptime thresholds.", "exclusions": "Losses below the agreed performance trigger threshold; losses in unmeasured categories not specified in the policy; most European regulatory penalties. Basis risk, meaning actual loss exceeding the measured shortfall, is structural rather than an exclusion.", "certifications": [ "ISO/IEC 42001", "NIST AI RMF" ], "url": "https://www.munichre.com/en/solutions/for-industry-clients/insure-ai.html", "distribution": "Underwritten and marketed by Mosaic Insurance through its global cyber underwriting team.", "notes": "Mosaic announced the partnership on 26 February 2026: Munich Re supplies the technical foundation and underwriting expertise, Mosaic underwrites and markets the product. The stated audience is AI developers and vendors worldwide, which is narrower than every enterprise deploying an agent. Munich Re does not use that word for the product anywhere it publishes, and it requires Munich Re technical due diligence, so it is a performance guarantee rather than an index product.", "source": "https://www.munichre.com/en/solutions/for-industry-clients/insure-ai.html and https://www.mosaicinsurance.com/resources/press-releases/", "lastVerified": "2026-08-17" }, { "id": "hsb", "name": "HSB", "parent": "Hartford Steam Boiler (Munich Re subsidiary)", "product": "AI Liability Insurance for Small Businesses", "launchDate": "18 March 2026", "launchYear": 2026, "posture": "E&O Extension", "segment": [ "SME" ], "geography": [ "US" ], "capacity": "Embedded within commercial general liability frameworks. No standalone per-occurrence limit publicly disclosed; coverage is an add-on to carrier partner policies.", "capacityRank": 1, "coverage": "Bodily injury from AI use including AI-controlled physical systems; property damage caused by AI-generated instructions; advertising injury from AI-generated content including defamation and copyright infringement.", "exclusions": "Not publicly detailed beyond standard commercial lines exclusions.", "certifications": [], "url": "https://www.munichre.com/hsb", "distribution": "Via insurance carrier partners; not sold directly to businesses", "notes": "AI Liability Insurance for small and mid-sized businesses, introduced 18 March 2026. Standard limits USD 25,000 or USD 50,000 with a USD 500 deductible; higher limits available. Added to the business policies of partner carriers rather than sold direct, and subject to insurance regulatory approval. It covers bodily injury, property damage, and personal and advertising injury arising from the insured's use of AI. It does NOT cover AI model errors, biased outputs or AI-facilitated data loss; HSB's release names those exclusions explicitly. An SMB adoption statistic carried here previously is not in the release and has been removed.", "source": "https://www.munichre.com/hsb/en/press-and-publications/press-releases/2026/2026-03-18-introducing-ai-liability-insurance-for-small-businesses.html", "lastVerified": "2026-08-17" }, { "id": "armilla", "name": "Armilla", "parent": "Armilla Insurance Services Inc. (Canadian MGA)", "product": "AI Liability Insurance; Vanguard AI (combined framework)", "launchDate": "Coverholder at Lloyd's since 2024; Vanguard AI with Chaucer 10 February 2026", "launchYear": 2025, "posture": "Specialty Indemnity", "segment": [ "Mid-market", "Enterprise" ], "geography": [ "US", "UK" ], "capacity": "Up to USD 25 million per organisation.", "capacityRank": 25, "coverage": "Hallucinations and model drift; inaccurate outputs causing third-party loss; data leakage; AI regulatory violations; non-breach privacy incidents; AI model error liability; harmful AI agent outputs; AI-driven property damage; defence costs under EU AI Act and US state AI laws.", "exclusions": "Standard surplus lines conditions. Full policy terms are not published; confirm with a broker.", "certifications": [ "NIST AI RMF", "AIUC-1" ], "url": "https://armilla.ai", "distribution": "Surplus lines brokers; Lloyd's wholesale. Chaucer is the lead underwriting syndicate.", "notes": "Armilla Insurance Services is a Coverholder at Lloyd's, the first dedicated exclusively to AI liability, and its Affirmative AI Liability Insurance is underwritten by certain underwriters at Lloyd's. Partners named at armilla.ai: Chaucer Group, AXIS Capital, Convex, Greenlight Re, Swiss Re. Vanguard AI is a combined cyber, technology and AI liability structure launched with Chaucer on 10 February 2026. Reachable by European buyers through wholesale broker intermediaries, though not a European-domiciled product. The USD 25 million is a POLICY LIMIT, not a funding round; trade press has repeatedly reported it as a raise and it is not one. A 30 April 2025 product launch date carried here previously could not be confirmed at armilla.ai and has been removed.", "source": "https://www.armilla.ai/ai-insurance", "lastVerified": "2026-08-17" }, { "id": "aiuc", "name": "AIUC", "parent": "Artificial Intelligence Underwriting Company (independent)", "product": "AIUC-1 certification plus enterprise AI insurance", "launchDate": "July 2025", "launchYear": 2025, "posture": "Specialty Indemnity", "segment": [ "Enterprise" ], "geography": [ "US" ], "capacity": "Not disclosed.", "capacityRank": 0, "coverage": "AI agent failures resulting in enterprise business losses. Exact indemnity triggers and policy language not publicly disclosed.", "exclusions": "Not publicly specified.", "certifications": [ "AIUC-1", "NIST AI RMF", "MITRE ATLAS", "EU AI Act" ], "url": "https://aiuc.com", "distribution": "Direct enterprise sales; certification audit precedes the policy.", "notes": "Artificial Intelligence Underwriting Company. Launched from stealth in July 2025 with a USD 15 million seed round led by Nat Friedman at NFDG. AIUC-1 is a standard of 51 requirements and 130 controls across six pillars: data and privacy, security, safety, reliability, accountability and societal risks. It sits on top of existing controls such as SOC 2 rather than replacing them, and Schellman is the first accredited auditor. ElevenLabs secured the first AIUC-1-backed AI agent insurance policy in February 2026, placed through Lloyd's of London. No carrier or reinsurer is named at source for that policy and none is named here.", "source": "https://aiuc.com/", "lastVerified": "2026-08-17" }, { "id": "testudo", "name": "Testudo", "parent": "Testudo (independent US startup)", "product": "GenAI Liability Insurance", "launchDate": "21 January 2026", "launchYear": 2026, "posture": "Specialty Indemnity", "segment": [ "Mid-market", "Enterprise" ], "geography": [ "US" ], "capacity": "Up to USD 9.25 million per insured, from 26 February 2026.", "capacityRank": 9.25, "coverage": "Hallucinations; intellectual property infringement from AI outputs; physical property damage caused by AI; unauthorised data disclosures; liability for generative AI-caused third-party damages. Positioned against the generative AI exclusions reported to be entering the US general liability market.", "exclusions": "Specific policy exclusions not publicly disclosed.", "certifications": [], "url": "https://testudo.co", "distribution": "Broker; Lloyd's coverholder with Apollo capacity, joined by Atrium and QBE on 26 February 2026. Claims-made policy form.", "notes": "Testudo launched on 21 January 2026, as a Lloyd's coverholder with Apollo capacity. Capacity expansion announced 26 February 2026: Atrium and QBE joined Apollo, at USD 9.25 million per insured. Testudo UK Ltd is an Appointed Representative of Pro MGA Solutions Ltd, FCA FRN 1017533. United States distributed, so for a European reader this is a market signal rather than a purchasable product.", "source": "https://www.testudo.co/insights/ and https://atrium-uw.com/", "lastVerified": "2026-08-17" }, { "id": "counterpart", "name": "Counterpart", "parent": "Counterpart (US insurtech)", "product": "Affirmative AI Coverage across professional liability lines", "launchDate": "November 2025", "launchYear": 2025, "posture": "E&O Extension", "segment": [ "Mid-market" ], "geography": [ "US" ], "capacity": "Not separately disclosed for the AI extensions. Cover attaches within the underlying professional liability limits.", "capacityRank": 10, "coverage": "Hallucinated reports causing client loss; AI-misclassified risk exposures; AI-generated hiring recommendations causing discrimination claims; AI decision errors in professional advice; AI-assisted assessments producing flawed projections.", "exclusions": "Standard professional liability exclusions apply.", "certifications": [], "url": "https://www.yourcounterpart.com", "distribution": "Standard professional liability distribution; available across Miscellaneous Professional Liability, Allied Health, and Tech E&O lines", "notes": "Affirmative AI Coverage plus a technology E&O insuring agreement, announced 24 November 2025, across miscellaneous professional liability and allied health. NOT management liability or D&O. Verification caveat, and it is weaker than the rest of this table: Counterpart's own site does not describe the AI coverage, so this rests on its press release. No carrier panel and no revenue threshold is published, and none is stated here.", "source": "https://knowledge.yourcounterpart.com/", "lastVerified": "2026-08-17" }, { "id": "corgi", "name": "Corgi", "parent": "Corgi Insurance, San Francisco. Corgi Insurance Services, Inc. is a licensed insurance producer, CA licence 6012791, acting as programme administrator rather than as the insurer.", "product": "AI Liability Insurance within integrated startup insurance platform", "launchDate": "July 2025", "launchYear": 2025, "posture": "Specialty Indemnity", "segment": [ "SME", "Mid-market" ], "geography": [ "US" ], "capacity": "Not separately disclosed for AI liability line. Integrated within full startup platform.", "capacityRank": 2, "coverage": "Losses arising from AI system failures and AI-related professional errors. Part of an integrated platform covering D&O, E&O, CGL, cyber, HNOA, fiduciary, and representations and warranties.", "exclusions": "Standard technology company insurance exclusions. Full policy terms available through the Corgi platform.", "certifications": [], "url": "https://corgi.insure", "distribution": "Direct platform. Corgi designs and manages the programme end to end using its own underwriting, policy management and claims infrastructure, as programme administrator rather than as the insurer.", "notes": "Corgi publishes that Tech and AI Liability covers claims alleging that the insured's technology products or services failed to perform as intended and caused a client financial harm, naming hallucinated, inaccurate or allegedly biased model outputs, and that the cover may sit inside Technology E&O subject to terms, exclusions, limits and endorsements. Read the producer-not-insurer point before treating Corgi as a carrier: it changes who carries the risk on your policy. Corgi announces a USD 108 million fundraise on its own site. An ARR figure, an investor list and a regulatory approval date carried here previously are not published by Corgi and have been removed.", "source": "https://www.corgi.insure/ai", "lastVerified": "2026-08-17" }, { "id": "vouch", "name": "Vouch", "parent": "Vouch Insurance", "product": "AI Insurance (tech E&O with AI extensions)", "launchDate": "2024", "launchYear": 2024, "posture": "E&O Extension", "segment": [ "SME", "Mid-market" ], "geography": [ "US" ], "capacity": "Not publicly disclosed. Structured within tech E&O policy limits.", "capacityRank": 3, "coverage": "IP infringement from AI training data or outputs; bias and discrimination claims; regulatory investigation defence costs; AI model performance errors and omissions; generative output copyright and media liability; enterprise indemnity; contractual liability; data misuse disputes.", "exclusions": "Not specifically disclosed beyond standard tech E&O conditions.", "certifications": [], "url": "https://vouch.us/technology/ai", "distribution": "Direct platform, United States only.", "notes": "Affirmative AI cover naming hallucinations, algorithmic bias and certain intellectual property disputes. No client count and no acquisition is published, and neither is stated here.", "source": "https://www.vouch.us/coverages/ai-insurance", "lastVerified": "2026-08-17" } ] }