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Authorized Agent Liability · Shadow Mode Pilot

Indemnity for AI Agent Execution

Deploy AI Agents with the same confidence as you hire human employees.

The Coverage Vacuum

Four traditional risk pillars — one emerging gap

Commercial insurance was built for human decisions. AI Agents have created a fifth risk pillar with no coverage home.

New Agentic Org Chart

AI Agents have become digital employees—registered in your Identity and Access Management (IAM) system with defined roles and delegated authority.

SM
Sarah M.
Chief Executive
JT
James T.
VP Operations
Agent-001
Marketing Director
DL
David L.
Head of IT
Agent-003
Workflow AI
Agent-002
Content AI
CL
Chen L.
IT Analyst
Human Employee
AI Agent
Four Categories. One Gap.

Every traditional risk pillar has a dedicated insurance product. The conduct risk of AI Agents does not — yet.

Assets
Crime & Fidelity
Physical and operational property loss.
✓ Covered
Management
Directors & Officers
Leadership decisions and board liability.
✓ Covered
Infrastructure
Cyber / Tech E&O
Data breaches, outages, and tech failures.
✓ Covered
Personnel
Professional Liability
Human errors in professional services.
✓ Covered
AI Agent
Conduct Risk / Authority Breach
No existing insurance product addresses conduct risk from AI Agents.
✗ Not Covered
The Fifth Pillar — Authorized Agent Liability

RiskHelm introduces coverage purpose-built for AI Agent conduct

Coverage anchored to authority limits — not AI cognition, model behavior, or inference quality.

What We Cover
What We Don't Cover
What We Cover
What We Don't Cover
Financial Indemnity

Direct monetary losses when an AI Agent executes unauthorized spending or transactions.

Model Accuracy

Hallucinations and errors from the underlying generative model.

Authority Breaches

Losses resulting from AI Agent conduct that stays within access controls but violates business logic.

AI Vendor Failures

Third-party infrastructure outages, API breaks, or service failures.

Scalable Protection

Elastic coverage that automatically expands as your digital workforce and AI Agent fleet grow.

"Shadow" AI

Any AI Agent conduct not formally registered in the Identity and Access Management (IAM) system, including self-escalating privileges.

Authorized Agent Liability Framework

How RiskHelm bounds risk to make it underwritable

Five stages from AI Agent deployment to validated indemnity — turning AI Agent behavior into a bounded, insurable risk.

01
Deploy
Deploy with a unique ID and human sponsor.
02
Define
Define rules-based access controls.
03
Log
Maintain continuous, verifiable telemetry.
04
Flag
Trigger on authority boundary breach.
05
Indemnify
Reimburse for unauthorized actions and boundary breach.
Alignment

The Value of the RiskHelm Framework

RiskHelm creates alignment along the value chain — from organizations deploying agents, to the platforms enabling them, to the capital backing the risk.

Enterprise risk management

For Enterprises

Scale your digital workforce with confidence.

✓Operational Backstop: Protect against AI Agent execution beyond authority boundaries.
✓Insurable Asset: Convert unpredictable AI Agent output into a bounded, insurable asset.
Workflow automation platform

For Workflow Platforms

Clear the path for rapid enterprise sales.

✓Fast-Track Legal Review: Pre-solve the liability question for your customers' risk teams.
✓The Standard for Safety: Position your platform as the most secure standard for AI Agent execution.
Insurance and capacity partners

For Capacity Providers

Access a new, data-backed risk pillar.

✓No "Black Box" Risk: Tie coverage to human-defined rules, not unpredictable model behavior.
✓Reliable Growth: Access a specialized risk class with low correlation to traditional insurance trends.
Shadow Mode · Join our Pilot Program

Underwrite your digital workforce.

Start in Shadow Mode to observe AI Agent execution and design coverage before going live. We are enrolling pilot participants now.

Start in Shadow Mode →