What it is
As businesses adopt AI tools at scale, the liability exposure created by employee AI usage 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. Axiom's AI liability policy was.
What it covers
Axiom provides affirmative third-party coverage for claims arising from your firm's failure to adequately oversee AI-assisted professional work. This includes AI-generated errors or hallucinations relied upon in client deliverables, unauthorized disclosure of confidential information through unsanctioned AI tools, employment-related claims stemming from biased AI-assisted decisions, regulatory violations arising from AI usage, and deepfake-facilitated fraud targeting your organization.
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.
Who it is for
Professional services firms between 20 and 2,000 employees actively using AI tools in client-facing work. Law firms, financial advisory practices, accounting firms, and management consultancies represent our primary market.
How underwriting works
We assess your firm's AI governance framework, tool usage patterns, human review protocols, and oversight controls. Rather than relying solely on a static application, Axiom continuously monitors your firm's AI risk posture through our risk intelligence platform, producing more accurate pricing and a streamlined renewal process. Better governance earns better terms over time.
What makes it different
Most policies address AI in one of two ways: they exclude it explicitly, or they are silent on it entirely - leaving coverage to interpretation at the worst possible moment. Axiom is affirmative. Every material term, trigger, and exclusion is defined. You know exactly what you have before you need it.