Your agent books, buys, promises or decides on your behalf. Most existing policies will not respond. This is the directory of carriers, coverage categories and the one framework underwriters read — so you can start insuring, not hoping.
If you run an SME and you turned on an AI agent this year, you are probably sitting inside all three of these gaps without realising it. Here is the short version. The rest of the site walks each one in detail.
Not theoretical harm. An Air Canada chatbot invented a bereavement discount and a tribunal ordered the airline to pay it. A New York firm filed fictional case citations generated by an AI tool and was sanctioned. Agents that transact, communicate or advise create exposure the moment they go live.
Most Errors and Omissions wordings, cyber policies, and general liability contracts were written before autonomous systems existed. Insurers are now adding explicit AI exclusions at renewal. Even without an exclusion, proving the event was covered gets difficult fast when the decision was made by a model.
New insurance products are coming online in 2026. AIUC-1 just became the first certification standard to underwrite an AI agent deployment. The EU AI Act and the revised Product Liability Directive are pushing the market to respond. Coverage exists. You have to prepare for it.
No brokers, no cold emails, no guessing. Read the path, check your stack against the framework, and walk into a carrier conversation with the file they actually want.
A ten-minute self-assessment on scope, exclusions, and incident response. Honest answers, no score theatre.
Map your agent to the seven dimensions underwriters read. This is the evidence file any carrier will ask for.
Review the five coverage categories, the live directory of programmes writing in Europe, and request an indication.
Programmes, standards bodies and reinsurer-backed initiatives working on AI agent coverage today. This directory expands as the European market matures through 2026 and 2027. No paid placement yet; every entry is editorial.
First certification and assurance standard for AI agents written with reinsurer participation. Precedent for binding coverage on autonomous systems.
Parametric AI performance insurance active since 2018. Settles on measurable performance data rather than loss adjustment. A reference programme for the space.
AI assurance firm positioned as a Lloyd’s coverholder, structured AI liability underwriting for European operators ahead of the 2026 deadlines.
E&O and professional indemnity policies offered by specialty carriers with AI endorsements available at renewal. Read exclusions carefully.
Cyber carriers adding AI-specific riders covering prompt injection, model manipulation and automated-action losses. Sub-limits typical.
Carriers and programmes writing AI agent coverage in Europe can apply to be listed and featured. Partner slots open Q4 2026.
Apply to be listed →Most operators are at step one today and do not know it. Most carriers are sitting on step five and cannot yet quote. This is the full walk. You do not need to complete it before August, but you need to know which step you are standing on.
Autonomous actions are shipping to users today. No coverage response confirmed.
TodayScope, policy exclusions, incident response. A ten-minute self-assessment.
This weekSeven dimensions. Honest self-score. The evidence file underwriters will want.
This quarterShare the framework score, the evidence, the scope. Ask for an indication.
Q2 to Q3 2026Carrier returns a price and terms. Negotiate sub-limits, retention, exclusions.
Q3 to Q4 2026Coverage active. Annual renewal. Evidence maintained as a live record.
2027 onwardBefore you talk to a broker, a lawyer, or a certification body, you need to know the answers to three questions. We wrote them as a short diagnostic. It takes about ten minutes to read and will tell you exactly what to do next.
Read the three questionsDocumented scope, guardrails, and human checkpoints.
E&O, cyber, general liability, D&O. All four.
Who pauses the agent, who calls legal, who notifies users.
The law has already made up its mind on AI agent exposure in three places. One tribunal, one court, one standards body. Every operator should know these three files. The lessons are the reason every broker conversation from here has a new agenda.
A customer was told by Air Canada's customer-service chatbot that bereavement fare refunds could be claimed retroactively. That was not the airline's policy. When Air Canada refused the refund and argued the chatbot was a separate legal entity, the tribunal rejected the argument. The company was held liable for the agent's representation and ordered to pay.
CAD 812 awarded plus tribunal fees. Air Canada liable for chatbot misrepresentation.
A business cannot disclaim what its agent says to a customer. Representation is binding the moment the output is delivered.
Counsel in Mata v. Avianca submitted a brief containing six judicial decisions that did not exist. They had been generated by ChatGPT. The court found the firm had failed its duty of candour to the tribunal regardless of the technology used to produce the filing. Sanctions followed. The tool was not a defence.
USD 5,000 sanction against the law firm and two attorneys. Professional misconduct on record.
Professional responsibility attaches to the human. The presence of an AI tool does not reduce the standard of care owed.
AIUC-1 is an assurance standard for AI agents developed with Munich Re participation. The first production deployment to be certified and underwritten against it was an ElevenLabs voice agent. It is the first case on record of an insurer accepting a structured AI evaluation as the basis for binding coverage on an autonomous system.
First AI agent to carry coverage anchored in a published certification standard. Precedent for the Q3 2026 market.
Coverage follows evidence. Operators who cannot produce structured evidence against a recognised standard will not be quoted by carriers writing this line.
16 questions. 5 minutes. A scored gap report with per-policy status, named carrier recommendations (HSB, Armilla, Testudo, Counterpart), and prioritised next steps. Runs entirely in your browser.
Written for operators and founders in plain English. Each one sits on a specific question we keep hearing from people running AI in production.
Seven policy types from CGL to D&O, two new ISO exclusion endorsements (CG 40 47 and CG 40 48), named carriers on both sides of the market, real case precedent, and an eight-step renewal checklist. The definitive reference for SME operators in 2026.
PlaybookA week-by-week sequence from scope through insurance binding to go-live. The four documents every SME needs to be insurable, the two failure modes to avoid, and the red flags that delay a binding.
Policy reviewYour existing cyber and E&O policies may already exclude AI agent incidents. A plain guide to the four exclusion types that matter and how to check your current wording.
Incident responseWhen your agent causes harm, who pauses it, who calls legal, and who notifies users. A step-by-step incident response plan built for small and medium enterprises running AI in production.
Coverage gapsYour E and O, cyber, and general liability policies were written before autonomous agents existed. Here is what they actually say when things go wrong.
Case studyA tribunal decision worth less than a thousand dollars rewrote the liability picture for every business running a customer-facing agent. Here is the full story.
Operator checklistA short diagnostic for founders and operations leads who want to move fast without shipping an exposure they cannot defend.
Case studyA US court sanctioned a law firm for submitting AI-fabricated case citations. The professional responsibility principle that case establishes applies far beyond law.
None of these are a perfect fit for AI agents yet. All of them matter. This is the honest map operators should read before a broker meeting, and it is the same map carriers are currently working from.
Standalone policies written against a formal AI certification standard such as AIUC-1. Coverage is calibrated to the assessed governance, oversight, and safety posture of the specific agent deployment.
Existing professional indemnity or errors & omissions wordings extended with an AI-specific endorsement. Responds when an agent delivers professional services that turn out to be wrong.
Cyber policies extended to AI-driven incidents including prompt injection, model manipulation, and automated actions causing first-party or third-party loss. Boundaries still being tested at claim.
Directors & officers cover extended to claims arising from AI deployment decisions at the board level. Becomes material as regulators begin naming specific board-level oversight duties.
Dedicated policies designed from scratch for autonomous systems rather than retrofitted from older lines. Rare today. The category most observers expect to define the AI insurance market by 2028.
Carriers writing in any of the five categories above are invited to list here. This section will expand to named programmes with coverage profiles as the insurance market matures through 2026 and 2027.
Insure Your Agent is the operator-facing entry point of the Future Proof authority stack. Readers are SME founders, heads of operations, and technology leads actively evaluating AI agent coverage. The site is calibrated to the Agent Certified methodology so carriers can reference a single underwriting framework when discussing a programme.
Carrier partnerships will open in Q4 2026. Partner formats will include category listings, underwriting spotlights, and co-branded briefings written in the house voice. No policies are currently offered for sale through this site.
Start a conversationThe Agent Certified methodology sets the seven dimensions insurers, boards, and procurement teams increasingly use to decide whether an AI agent is safe to rely on. Read the framework before you shop for coverage.