This page explains how carriers and coverage products qualify for recommendation in the Insure Your Agent Coverage Audit tool, the independence standards governing our editorial map, and what we anticipate for a paid institutional partner tier in 2027. It should be read alongside our Editorial Standards.
Insure Your Agent is a plain guide for SME operators who are running AI agents in production or are preparing to do so. Our readers are founders, operations directors, technology leads, and risk managers at small and medium-sized organisations that want to understand their liability exposure and find a path to real coverage. We are not a broker, not a carrier, and not a financial adviser. We explain what coverage exists, how to assess it, and where to go to get it.
The Coverage Audit tool guides operators through a structured set of questions and surfaces the carriers and programmes most likely to be relevant to their situation. Carriers recommended in the tool appear because they meet the criteria below. We earn no commission from any carrier or broker we mention.
In 2026, this site operates on an editorial-only basis. No carrier, broker, vendor, or third party pays for inclusion in the Coverage Audit tool, for placement in our articles, or for any other form of editorial placement on this site. All editorial coverage and tool recommendations are based on the criteria below.
This commitment is set out in detail in our Editorial Standards.
A carrier or programme qualifies for recommendation in the Coverage Audit tool if it meets all of the following criteria. The criteria are identical to those applied in the Agent Insured Carrier Comparison Matrix, which is the primary tracking register. A carrier must appear in the Matrix before it can be recommended in this tool.
The carrier must be independently verified in the Agent Insured Carrier Comparison Matrix at agentinsured.eu. We do not recommend carriers that have not passed the verification criteria applied in that Matrix. The Matrix criteria require: a meaningful AI liability limit in the 2026 policy year; a verified public launch announcement; a named coverage product; defensible capacity; and geographic reach covering at least one EU member state.
For recommendation in this tool, the carrier must offer or broker coverage to SME policyholders. Programmes available only to large corporates or available only on a bespoke basis through Lloyd's facilities without any accessible SME route-to-market are not recommended in this tool (though they are tracked in the Matrix for informational purposes).
The product must be currently active. Products that have been withdrawn, are in runoff, or have been materially restructured without a verified updated announcement are removed from the tool until their current status can be confirmed.
We anticipate introducing a paid Partners tier in 2027 for verified institutional participants. The programme has not launched. The following is indicative only.
Tier 1: Reference Listing. A verified carrier, MGA, specialist broker, or implementation partner with an accessible SME-facing product receives an enhanced listing in the network section, including a direct contact pathway for operators. Illustrative annual range: EUR 5,000 to EUR 25,000.
Tier 2: Sponsored Research Briefing. A commissioned guide or briefing on a topic relevant to SME operators, clearly labelled as sponsored content, published separately from editorial content. Illustrative range: EUR 25,000 to EUR 100,000 per engagement.
Tier 3: Institutional Partnership. A multi-year, multi-site arrangement including data licensing for the Coverage Audit dataset, co-branded operator guides, and visibility across the full Authority Stack. Pricing on application.
All paid placements will be visibly labelled as commercial. Paid partnership does not affect which carriers are recommended in the Coverage Audit tool, how they are ranked, or what our editorial content says about any product. A carrier that enters the paid partner programme is not guaranteed a recommendation in the tool, and a carrier that does not enter the programme is not removed from the tool.
A carrier recommendation in the Coverage Audit tool means that the carrier meets the editorial criteria above and that our tool considers it potentially relevant to an operator with the characteristics described. It does not constitute an endorsement of the carrier's financial strength, claims-paying ability, or the suitability of any specific product for any specific operator. We are not a broker, not a financial adviser, and not an insurance intermediary. Operators should consult a qualified broker before purchasing any coverage.
Operators should review the full product terms, including all exclusions, sublimits, and conditions, before relying on any coverage summary we publish. Coverage terms are those of the carrier, not of this platform.
If you represent a carrier, MGA, or specialist broker with a qualifying AI agent liability product and you are not yet included in our network, please write to carriers@futureproofintelligence.com with the subject line "Coverage Audit inclusion." Include a link to the verifiable public announcement and the product name. We will review and follow up if the criteria are met. Inclusion is editorial and free of charge. There is no guarantee of inclusion following a submission.
If you represent a carrier, broker, insurtech, or institutional participant in the SME AI liability market and you would like to be informed when the 2027 partner programme launches, please write to carriers@futureproofintelligence.com. We will contact you when the consultation process opens. We do not commit to launch dates beyond 2027.
The conflicts of interest applicable to this site are set out in Section 5 of the Editorial Standards. Future Proof Intelligence is the publisher. FP has a commercial interest in the development of the AI agent insurance and certification market. This interest is disclosed and does not affect editorial coverage decisions, tool recommendations, or carrier inclusion criteria.