By the Editors · Published 14 June 2026 · Last reviewed 14 June 2026 · 12 minute read

Who insures AI agents in Europe?

Every month the AI insurance market shifts. New programmes are announced, funding rounds close, and brokers update their market guides. This reference page maps who is actually writing or developing AI agent coverage in Europe as of mid-2026, what each programme genuinely is (licensed carrier, MGA, guarantee, or roadmap), and what an SME operator can and cannot buy today.

The state of the market in plain terms

If you search "who insures AI agents in Europe" in mid-2026, you will find three types of results. The first is companies selling their own products. The second is enterprise-oriented programmes that require a formal underwriting submission and are not accessible to most SMEs without a specialist broker. The third is roadmap announcements from companies building toward the market rather than operating in it.

What you will not find is a neutral map of who is what. That is what this page provides. Future Proof Intelligence is not a licensed insurance broker or carrier. We publish this as an independent reading and readiness layer above the market. No entry below is sponsored or paid. Every entry is marked [VERIFY] where carrier or MGA status, pricing, or geographic scope has not been independently confirmed by this publication.

Programme by programme: who is actually writing or developing AI agent cover

Munich Re aiSure

What it is: Parametric AI performance insurance. Settles based on measurable performance data rather than individual loss adjustment. Active since 2018. A reference programme in the space.

What it covers: AI model performance failures. Covers losses an AI makes that a human would not, measured against a defined performance baseline.

European availability: Yes, through Munich Re's European operations. Enterprise-focused; no SME pricing tiers announced.

Why it matters: Munich Re aiSure is the reinsurance backbone behind several other programmes in this list, including AIUC-1. Understanding aiSure clarifies the reinsurance infrastructure that the broader market is building on.

SME accessibility: Low. Built for enterprise AI deployments with measurable performance data. Most SME operators do not have the data infrastructure or governance documentation aiSure requires.

AIUC-1 standard and the ElevenLabs policy

What it is: AIUC-1 is a certification and assurance standard for AI agents published by the AI Underwriting Company (AIUC). It is not an insurance product itself; it is the standard against which an agent is assessed before insurance is written.

What happened: On 11 February 2026, ElevenLabs became the first company to have an AI agent deployment insured against AIUC-1. The policy covered a voice agent and was underwritten with Munich Re reinsurance participation. Over 5,000 adversarial simulations were run across six dimensions before the policy was bound.

European availability: AIUC-1 is a global standard. Whether AIUC-certified coverage is available to European operators from carriers other than those participating in the ElevenLabs pilot has not been confirmed [VERIFY current AIUC distribution partners].

Why it matters: The ElevenLabs policy established the precedent that structured certification evidence is the key to binding AI agent coverage. Every programme in this list is, in some sense, a variation on or competitor to this model.

Armilla

What it is: An AI assurance firm and Lloyd's of London coverholder. Raised USD 25 million from Chaucer and Axis Capital in January 2026.

What it covers: Structured AI liability underwriting for technology companies and enterprises. Coverage limits expanded to USD 25 million per occurrence after the January 2026 raise.

European availability: Yes, through Lloyd's. Available to European technology companies with a formal underwriting submission.

Pricing indication: Starts at approximately USD 5,000 to 10,000 per year for USD 1 million limits [VERIFY current published indicatives]. Requires governance documentation.

SME accessibility: Moderate. Armilla targets technology companies rather than all SMEs. Requires a detailed submission. Not a click-and-buy product.

Klaimee

What it is: A YC-backed startup describing its product as purpose-built E&O for AI agents. Covers eight risk dimensions aligned to EU AI Act framing.

What it covers (as described): Hallucinations customers relied on, unauthorised agent actions, data exposure, prompt injection attacks, wrongful commitments, and investigation costs.

European availability: Klaimee references EU AI Act framing, but whether it is a licensed carrier or MGA and what its European regulatory status is has not been independently confirmed [VERIFY carrier and MGA status, European licensing]. Operators in Europe should request written confirmation of licensing before purchasing.

SME accessibility: Potentially higher than enterprise programmes if US pricing translates to European distribution. Requires [VERIFY] confirmation of European availability.

Mount

What it is: A YC-backed startup positioning itself as the first AI agent liability carrier [VERIFY licensed carrier status].

What it covers: Third-party claims from AI agent actions.

European availability: Distribution and licensing status in Europe not confirmed [VERIFY].

SME accessibility: To be confirmed. The YC framing suggests a product built for the US market first.

Agensure

What it is: A European company providing an Agent Risk Score (ARS, 1 to 100) and an ADR certificate for AI agents. References EU AI Act Article 50.

What it covers: Agensure is not a licensed insurance carrier. The current product is a risk assessment and certification service. Insurance through an MGA-with-European-carriers structure is explicitly on a Year 2+ roadmap.

European availability: Yes, as an assessment service. Insurance is not yet live.

Why it matters: Agensure is the most European-native programme in this list and the only one explicitly framing its offering around EU AI Act Article 50 compliance. Its assessment methodology may become an underwriting input as the European market develops.

HSB AI Liability Insurance

What it is: A product launched in the US in March 2026 by HSB (Hartford Steam Boiler), a Munich Re subsidiary. The first mass-market SME AI liability product announced by a major carrier.

What it covers: AI-related business losses, customer harm from AI outputs, regulatory defence costs.

Pricing: Approximately USD 500 to 2,500 per year for USD 250,000 to 1,000,000 in limits. The most accessible price point in the market.

European availability: As of mid-2026, US-distributed. European availability has not been confirmed [VERIFY current geographic scope].

What the comparison table shows

Why every result you find is a vendor selling itself

The honest answer to "who insures AI agents in Europe" is that the market is being built in public. Every programme in this list has an incentive to position itself as the default answer. None of them would describe themselves as early-stage, enterprise-first, or US-distributed if they could avoid it.

This creates a specific problem for SME operators trying to make a genuine procurement decision. The information available through search results and vendor pages describes a market that is more mature than it actually is. The programmes that exist are real. The coverage they provide is real. But the framing around European SME accessibility is consistently ahead of what you can actually buy.

The most useful thing an SME operator can do is not to pick a provider from a list but to build the evidence file that any of these programmes will require. Every programme above needs the same four inputs: documented scope, human oversight procedures, AI risk assessment, and incident response. An operator who has those four documents is ready to have a real conversation with any of the brokers who can access these programmes. An operator who does not have them will not receive a binding indication regardless of which programme they approach.

The certification layer that connects to coverage

The Agent Certified methodology at agentcertified.eu was built specifically to produce the evidence file underwriters increasingly require. Its seven dimensions (autonomy envelope, data governance, human oversight, security and resilience, performance and reliability, transparency and trust, and governance) map to the underwriting criteria used by the programmes in this list.

This is not marketing. The AIUC-1 standard and the Agent Certified methodology address the same underlying question: can this AI agent deployment be described, documented, and assessed against a published framework? If the answer is yes, coverage becomes negotiable. If the answer is no, it is not.

What to do this month

If you are an SME operator trying to find AI agent insurance in Europe in mid-2026, three steps move you forward regardless of which programme ultimately suits your situation.

First, run the coverage audit at tools/coverage-audit. It takes fifteen minutes and tells you where your existing policy gaps are. That framing is what you bring to a broker conversation.

Second, send a written request to your broker asking for a position on each of your current policies relative to AI agent risk. Do not accept a verbal answer. Ask for clause references from the most recent renewal.

Third, begin the Agent Certified assessment at agentcertified.eu. The seven-dimension framework produces the evidence file that all the programmes above require before they will quote you. Starting this now means you are ready to move when a product becomes accessible to you.

The get covered page walks through the full pathway from diagnostic to carrier conversation in detail.

Frequently asked questions

Who insures AI agents in Europe in 2026?

As of mid-2026, no licensed European-native carrier sells off-the-shelf AI agent liability cover to SMEs at scale. The options are Munich Re aiSure (parametric, enterprise), Armilla (Lloyd's coverholder), AIUC-1-anchored coverage (established by the ElevenLabs policy in February 2026), Klaimee and Mount (US-distributed, European status unconfirmed), Agensure (EU assessment service, insurance Year 2+ roadmap), and HSB AI Liability (US-only as of mid-2026).

Is there a licensed European insurer for AI agents?

Not one selling off-the-shelf SME cover as of mid-2026. Armilla operates through Lloyd's of London, which is a regulated UK market. Agensure is EU-based but is an assessment service, not a carrier. The market is developing rapidly and this assessment will need updating quarterly.

What is the cheapest AI agent insurance available in Europe?

HSB's US product (USD 500 to 2,500 per year for USD 250,000 to 1,000,000 limits) is the most accessible SME-facing price point announced so far, but European availability is unconfirmed as of mid-2026. European operators with professional lines coverage can negotiate AI endorsements at renewal for EUR 500 to 3,000 in additional premium depending on sector and deployment volume. This is not the same as dedicated AI agent liability coverage, but it is often the most immediately available option.

What will the European AI insurance market look like by 2027?

The most likely scenario is that two or three of the programmes in this guide will develop accessible SME products by the end of 2027, driven by the volume of operators who have completed some form of AI governance assessment and the pressure of the revised Product Liability Directive (applying from December 2026). The programmes with reinsurance infrastructure in place (Munich Re, Lloyd's) are the most likely to move quickly once demand and evidence quality justify it.