You own what your AI does.
When your AI errs, there is no one to sue and no one to recover from. This is the cover that caps it.
THE RISK
The loss lands first — and stays.
In a widely reported 2025 incident, an AI coding agent deleted a customer's live production database during an explicit code freeze. The software vendor responded admirably, yet the financial damage landed squarely on the company first.
When your own AI errs, there is no plaintiff, no defendant, and no third party to recover from. The loss belongs to you the moment it executes.
WHY IT MATTERS
The question boards are starting to ask.
Nobody's been asked — yet.
Ask who pays when your AI executes outside its mandate. Most leaders haven't been asked, but boards and auditors are starting to—and "we hadn't thought about it" won't survive an incident.
A line you can budget.
Today, companies absorb these losses quietly. This turns an open-ended unknown into a predictable line item with a known ceiling, priced on what your AI is allowed to do rather than revenue or headcount.
It pays on your timeline.
Existing policies demand years of legal arguments over fault between you, the platform, and the model vendor. This pays the moment your records show the AI exceeded its encoded permissions.
WHERE TO START
A conversation, not a data request.
Tell us what your AI is allowed to do and what controls are in place, and we will confirm coverage fit.
A one‒page coverage summary detailing grants, exclusions, and claim mechanics is available upon request. Placement is handled through a licensed surplus‒lines broker—yours or one we introduce.
