AI RISK & LIABILITY

AI RISK & LIABILITY

AI RISK & LIABILITY

As businesses adopt AI at scale, liability exposure is falling through the gaps of traditional insurance programs. Professional liability, E&O, D&O, EPL, CGL, and cyber policies were not designed to address human oversight failures in AI-assisted work or harm caused by autonomous systems. Our goal is to provide businesses with affirmative coverage for Gen-AI deployment as well as the technological tools and expertise to exercise safety, compliance, and governance practices properly.

As businesses adopt AI at scale, liability exposure is falling through the gaps of traditional insurance programs. Professional liability, E&O, D&O, EPL, CGL, and cyber policies were not designed to address human oversight failures in AI-assisted work or harm caused by autonomous systems. Our goal is to provide businesses with affirmative coverage for Gen-AI deployment as well as the technological tools and expertise to exercise safety, compliance, and governance practices properly.

As businesses adopt AI at scale, liability exposure is falling through the gaps of traditional insurance programs. Professional liability, E&O, D&O, EPL, CGL, and cyber policies were not designed to address human oversight failures in AI-assisted work or harm caused by autonomous systems. Our goal is to provide businesses with affirmative coverage for Gen-AI deployment as well as the technological tools and expertise to exercise safety, compliance, and governance practices properly.

Coverage built across 10 insuring agreements

We provide affirmative third-party coverage for claims arising from the usage and deployment of AI. Each agreement is bindable on its own and shares a single aggregate limit—buy what you need, leave what you don’t.

Generative AI Errors & Omissions

Covers third-party financial loss from wrong content an AI produces—a hallucination, error, or misstatement—that someone relies on. Responds whether a person relayed the output or an agent sent it autonomously.

Autonomous Action Liability

Covers loss when an AI agent takes an action outside its authorized scope, or inside scope with a containment failure. This is the coverage for when an agent acts rather than just producing content.

AI Discrimination & Employment Practices

Covers discrimination, wrongful termination, retaliation, and failure-to-hire claims where AI participated in the decision, plus consumer-side discrimination in lending, housing, and service.

AI Regulatory Proceedings

Covers defense costs and insurable fines when a regulator alleges your AI deployment violated an AI-specific law such as the EU AI Act, Colorado AI Act, or NYC Local Law 144.

AI Bodily Injury & Property Damage

Covers physical injury to people or damage to property caused by reliance on AI output or by an agent’s action. Sits in the gap between general liability and E&O.

AI Intellectual Property Liability

Covers defamation, copyright or trademark infringement, false endorsement, and right-of-publicity violations in AI-generated content, plus infringement arising from fine-tuning or retrieval-augmented-generation practices.

Wrongful Data Disclosure

Covers loss arising when a declared AI discloses protected information through its output or action, without requiring any security failure.

AI System Manipulation Liability

Covers liability when a third party manipulates your AI through prompt injection, jailbreak, or data poisoning using its intended interface—attacks cyber policies don’t treat as a breach.

AI Management & Fiduciary Liability

Covers directors, officers, and plan fiduciaries facing claims over AI oversight, AI-related disclosures, or AI-driven benefits administration where underlying policies exclude AI.

Contingent Vendor AI Liability

Covers the insured’s loss and third-party liability arising from a declared AI vendor’s failure, including a breach, shutdown, model change, or licensing collapse.

What triggers a claim

The policy operates on a claims-made basis. A claim is triggered when a third party suffers demonstrable harm resulting from your firm’s inadequate oversight of an AI-assisted process or output. The policy insures the oversight failure—not the performance of the underlying AI model.

Coverage built across 10 insuring agreements

We provide affirmative third-party coverage for claims arising from the usage and deployment of AI. Each agreement is bindable on its own and shares a single aggregate limit—buy what you need, leave what you don’t.

Generative AI Errors & Omissions

Covers third-party financial loss from wrong content an AI produces—a hallucination, error, or misstatement—that someone relies on. Responds whether a person relayed the output or an agent sent it autonomously.

Autonomous Action Liability

Covers loss when an AI agent takes an action outside its authorized scope, or inside scope with a containment failure. This is the coverage for when an agent acts rather than just producing content.

AI Discrimination & Employment Practices

Covers discrimination, wrongful termination, retaliation, and failure-to-hire claims where AI participated in the decision, plus consumer-side discrimination in lending, housing, and service.

AI Regulatory Proceedings

Covers defense costs and insurable fines when a regulator alleges your AI deployment violated an AI-specific law such as the EU AI Act, Colorado AI Act, or NYC Local Law 144.

AI Bodily Injury & Property Damage

Covers physical injury to people or damage to property caused by reliance on AI output or by an agent’s action. Sits in the gap between general liability and E&O.

AI Intellectual Property Liability

Covers defamation, copyright or trademark infringement, false endorsement, and right-of-publicity violations in AI-generated content, plus infringement arising from fine-tuning or retrieval-augmented-generation practices.

Wrongful Data Disclosure

Covers loss arising when a declared AI discloses protected information through its output or action, without requiring any security failure.

AI System Manipulation Liability

Covers liability when a third party manipulates your AI through prompt injection, jailbreak, or data poisoning using its intended interface—attacks cyber policies don’t treat as a breach.

AI Management & Fiduciary Liability

Covers directors, officers, and plan fiduciaries facing claims over AI oversight, AI-related disclosures, or AI-driven benefits administration where underlying policies exclude AI.

Contingent Vendor AI Liability

Covers the insured’s loss and third-party liability arising from a declared AI vendor’s failure, including a breach, shutdown, model change, or licensing collapse.

What triggers a claim

The policy operates on a claims-made basis. A claim is triggered when a third party suffers demonstrable harm resulting from your firm’s inadequate oversight of an AI-assisted process or output. The policy insures the oversight failure—not the performance of the underlying AI model.

Coverage built across 10 insuring agreements

We provide affirmative third-party coverage for claims arising from the usage and deployment of AI. Each agreement is bindable on its own and shares a single aggregate limit—buy what you need, leave what you don’t.

Generative AI Errors & Omissions

Covers third-party financial loss from wrong content an AI produces—a hallucination, error, or misstatement—that someone relies on. Responds whether a person relayed the output or an agent sent it autonomously.

Autonomous Action Liability

Covers loss when an AI agent takes an action outside its authorized scope, or inside scope with a containment failure. This is the coverage for when an agent acts rather than just producing content.

AI Discrimination & Employment Practices

Covers discrimination, wrongful termination, retaliation, and failure-to-hire claims where AI participated in the decision, plus consumer-side discrimination in lending, housing, and service.

AI Regulatory Proceedings

Covers defense costs and insurable fines when a regulator alleges your AI deployment violated an AI-specific law such as the EU AI Act, Colorado AI Act, or NYC Local Law 144.

AI Bodily Injury & Property Damage

Covers physical injury to people or damage to property caused by reliance on AI output or by an agent’s action. Sits in the gap between general liability and E&O.

AI Intellectual Property Liability

Covers defamation, copyright or trademark infringement, false endorsement, and right-of-publicity violations in AI-generated content, plus infringement arising from fine-tuning or retrieval-augmented-generation practices.

Wrongful Data Disclosure

Covers loss arising when a declared AI discloses protected information through its output or action, without requiring any security failure.

AI System Manipulation Liability

Covers liability when a third party manipulates your AI through prompt injection, jailbreak, or data poisoning using its intended interface—attacks cyber policies don’t treat as a breach.

AI Management & Fiduciary Liability

Covers directors, officers, and plan fiduciaries facing claims over AI oversight, AI-related disclosures, or AI-driven benefits administration where underlying policies exclude AI.

Contingent Vendor AI Liability

Covers the insured’s loss and third-party liability arising from a declared AI vendor’s failure, including a breach, shutdown, model change, or licensing collapse.

What triggers a claim

The policy operates on a claims-made basis. A claim is triggered when a third party suffers demonstrable harm resulting from your firm’s inadequate oversight of an AI-assisted process or output. The policy insures the oversight failure—not the performance of the underlying AI model.

Underwriting

01 SUBMIT

Broker-led application

02 SCAN

Public-surface signals

03 CLASSIFY

Risk & eligibility

04 BIND

Coverage terms

05 GOVERN

Ongoing oversight

Not an audit. Built for the deployer.

Axiom performs a non-intrusive technical scan of public-surface and infrastructure signals—not a costly enterprise audit—to determine risk class and eligibility.

Accessed through traditional brokerages

Your broker submits the application, we assess the declared AI deployment, and selected agreements can be bound through the familiar brokerage channel.

Governance, included

Once bound, Raptor governance software activates at no additional cost to support ongoing monitoring and accountable deployment.

Underwriting

01 SUBMIT

Broker-led application

02 SCAN

Public-surface signals

03 CLASSIFY

Risk & eligibility

04 BIND

Coverage terms

05 GOVERN

Ongoing oversight

Not an audit. Built for the deployer.

Axiom performs a non-intrusive technical scan of public-surface and infrastructure signals—not a costly enterprise audit—to determine risk class and eligibility.

Accessed through traditional brokerages

Your broker submits the application, we assess the declared AI deployment, and selected agreements can be bound through the familiar brokerage channel.

Governance, included

Once bound, Raptor governance software activates at no additional cost to support ongoing monitoring and accountable deployment.

Underwriting

01 SUBMIT

Broker-led application

02 SCAN

Public-surface signals

03 CLASSIFY

Risk & eligibility

04 BIND

Coverage terms

05 GOVERN

Ongoing oversight

Not an audit. Built for the deployer.

Axiom performs a non-intrusive technical scan of public-surface and infrastructure signals—not a costly enterprise audit—to determine risk class and eligibility.

Accessed through traditional brokerages

Your broker submits the application, we assess the declared AI deployment, and selected agreements can be bound through the familiar brokerage channel.

Governance, included

Once bound, Raptor governance software activates at no additional cost to support ongoing monitoring and accountable deployment.

Risk controls

Governance in the flow of work

Risk controls turn AI governance from a policy document into a measurable operating practice—linking approved use cases, owners, and escalation paths to the systems your teams actually use.

Guardrails that hold

We focus on authorization boundaries, human intervention, and containment checks that keep autonomous actions within the limits your organization intended.

Evidence for every decision

Clear telemetry and review evidence make it easier to demonstrate responsible deployment when questions arise—from internal stakeholders, customers, and regulators.

Risk controls

Governance in the flow of work

Risk controls turn AI governance from a policy document into a measurable operating practice—linking approved use cases, owners, and escalation paths to the systems your teams actually use.

Guardrails that hold

We focus on authorization boundaries, human intervention, and containment checks that keep autonomous actions within the limits your organization intended.

Evidence for every decision

Clear telemetry and review evidence make it easier to demonstrate responsible deployment when questions arise—from internal stakeholders, customers, and regulators.

Risk controls

Governance in the flow of work

Risk controls turn AI governance from a policy document into a measurable operating practice—linking approved use cases, owners, and escalation paths to the systems your teams actually use.

Guardrails that hold

We focus on authorization boundaries, human intervention, and containment checks that keep autonomous actions within the limits your organization intended.

Evidence for every decision

Clear telemetry and review evidence make it easier to demonstrate responsible deployment when questions arise—from internal stakeholders, customers, and regulators.

Agentic accreditation

Evaluate Your Agent →
Evaluate Your Agent →
Evaluate Your Agent →
Proof before permission

Agentic accreditation establishes a repeatable evidence standard before an autonomous system is trusted with meaningful work. It documents scope, authority, controls, and accountable ownership.

Designed for real operations

Accreditation captures the operating context of an agent—not just its model—so decision-makers can understand what it is allowed to do, what it cannot do, and who can intervene.

A durable audit trail

The result is a living record that can be revisited as agents change, vendors update models, or the risk profile of a use case evolves.

Claim scenarios

Industry

AI System

Scenario

Coverage

Legal Services

LLM Research Assistant

A content-summary AI misstates service terms, and the firm misses a contractual obligation as a result.

Gen-AI E&O

Enterprise Support

Customer-Facing Chatbot

A support chatbot gives an enterprise client incorrect integration steps, causing downtime and lost revenue.

Gen-AI E&O

Financial Services

Agentic Procurement AI

A procurement agent with purchasing authority autonomously places an order with a sanctioned supplier.

Autonomous Action Liability

Professional Services

Agentic Ops Assistant

An operations agent with production access deletes client deliverables while resolving a storage alert.

Autonomous Action Liability

Staffing / HR

LLM Resume Screener

An AI screening tool produces a disparate-impact class action and penalties under NYC Local Law 144.

Discrimination & EPL

Banking

LLM Service Tier

An AI customer-service tier offers materially worse terms to customers correlated with protected class.

Discrimination & EPL

E-Commerce

Retail Chatbot

A support chatbot reveals another customer’s order history, bank details, and address in a reply.

Wrongful Data Disclosure

Professional Services

Meeting Transcription AI

A transcription bot emails one client’s summary, including confidential deal terms, to a different client.

Wrongful Data Disclosure

Telecoms

Customer Service Chatbot

A state regulator opens an investigation alleging the company’s AI chatbot violated state AI transparency rules.

AI Regulatory Proceedings

Insurance

AI Claims Triage System

A state attorney general investigates the insurer’s AI triage under a new state AI statute.

AI Regulatory Proceedings

Real Estate

Agentic Building Controls AI

An AI assistant sets a building’s HVAC to the wrong temperature, freezing and bursting pipes in a tenant’s unit.

Bodily Injury & Property Damage

Healthcare / wellness

LLM Wellness Assistant

A wellness AI gives unsafe recovery guidance that allegedly causes physical injury to a user.

Bodily Injury & Property Damage

Marketing

Generative Content AI

An AI campaign uses a tagline that turns out to be a competitor’s registered trademark, triggering a complaint.

Intellectual Property

Media

Image Generation AI

A marketing image materially replicates a photographer’s registered work after guardrails were disabled.

Intellectual Property

Fintech

Agentic AP Assistant

A prompt-injected email tricks an accounts-payable agent into approving a chain of fraudulent invoices.

System Manipulation

Consumer Platform

Customer Facing Chatbot

A jailbroken chatbot emits harassing content at a user, who then sues the company.

System Manipulation

Public Company

Enterprise-wide AI Program

A securities class action alleges the company overstates its AI capabilities in investor materials.

Management & Fiduciary

Employer / Plan Sponsor

AI Benefits Administration

An AI-driven retirement plan menu concentrates participants in underperforming funds, prompting an ERISA suit.

Management & Fiduciary

Consulting

Third-party Legal AI Vendor

A declared legal-AI vendor suffers a breach exposing the insured’s client files held on the vendor’s systems.

Contingent Vendor

Professional Services

Third-party Agentic Vendor

A vendor abruptly shuts down mid-engagement, causing client-facing losses beyond any service credit.

Contingent Vendor