{"license":"CC BY 4.0","attribution":"AI Dispatch — https://aidispatch.news","methodology":"https://aidispatch.news/methodology","generated_at":"2026-09-18T12:12:18.818Z","entity":{"name":"Armilla AI","slug":"armilla-ai","type":"vendor","subtype":"insurance","developer":"Armilla AI","homepage_url":"https://www.armilla.ai/","summary":"Provides purpose-built, affirmative AI insurance for generative AI and AI agents, which the vendor states responds directly to AI failure modes. Operates as a coverholder at Lloyd's, with underwriting capacity from certain underwriters at Lloyd's; a published testimonial from a Swiss Re Senior Underwriter endorses Armilla's model-verification work. Offers an \"AI Performance Warranty\" that the vendor says funds a customer remedy when an insured AI system fails to perform as promised. Serves businesses deploying AI and sells through appointed, licensed surplus-lines brokers; named customers and case studies include WorkTango, SkyHive (now part of Cornerstone OnDemand), Private AI, Accend, hireEZ, and a bank/credit-union lending deployment (MKIII). Frames its coverage around \"high-risk\" AI system categories referenced in the Colorado AI Act and EU AI Act. Coverage availability is jurisdiction-dependent. No coverage limits are published on the page checked.","url":"https://aidispatch.news/vendors/armilla-ai/","published_at":"2026-09-12T08:28:18.460163+00:00","updated_at":"2026-09-12T11:34:08.200974+00:00"},"fields":[{"key":"vendor_service_type","label":"Service type","category":"assurance","status":"present","value":"Purpose-built AI insurance for generative AI and AI agents","not_yet_interpreted":true,"quote":"Purpose-built AI insurance for generative AI and AI agents.","source_url":"https://www.armilla.ai/","retrieved_at":"2026-07-30T20:35:11.353387+00:00","review":null,"superseded_quote":null},{"key":"insurance_available","label":"Insurance available","category":"assurance","status":"present","value":"Yes - affirmative AI insurance covering AI failure modes","not_yet_interpreted":false,"quote":"Armilla provides named, affirmative AI insurance that responds to those failure modes directly","source_url":"https://www.armilla.ai/","retrieved_at":"2026-07-30T20:35:11.353387+00:00","review":null,"superseded_quote":null},{"key":"coverage_limits","label":"Coverage limits","category":"assurance","status":"no_public_information","value":null,"not_yet_interpreted":false,"quote":null,"source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"insurance_carriers","label":"Insurance carriers","category":"assurance","status":"present","value":"Lloyd's market: Armilla Insurance Services acts as a Coverholder at Lloyd's, and the affirmative AI liability product is underwritten by certain underwriters at Lloyd's.","not_yet_interpreted":false,"quote":"Armilla Insurance Services is a Coverholder at Lloyd's. Affirmative AI Liability Insurance is underwritten by certain underwriters at Lloyd's.","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"regulatory_alignment","label":"Regulatory alignment","category":"assurance","status":"present","value":"Positions its regulatory-violations coverage explicitly against named AI regulation, including the Colorado AI Act and EU AI Act's \"high-risk\" AI system category.","not_yet_interpreted":false,"quote":"AI Model Regulatory Violations : Defense costs and fines for actions or investigations into AI underperformance, including “high-risk” AI systems (e.g. Colorado AI Act, EU AI Act).","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"vendor_backing","label":"Underwriting backing","category":"assurance","status":"present","value":"Swiss Re (reinsurer) publicly backs Armilla's model-verification work, per a testimonial from its Senior Underwriter, Special Risks; underwriting capacity otherwise sits with Lloyd's underwriters.","not_yet_interpreted":false,"quote":"Gianni Biason Swiss Re Senior Underwriter, Special Risks “We are happy to support Armilla as a leading provider of accurate and thorough model verification, and we’re hopeful that our work together will move the industry forward in producing more trustworthy machine learning products.”","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"target_sectors","label":"Target sectors","category":"impact","status":"present","value":"Financial services — banks and credit unions, via the MKIII AI loan-decisioning case study.","not_yet_interpreted":false,"quote":"MKIII helps banks and credit unions confidently approve more borrowers with an AI Loan Decision Model trained on millions of historical loans.","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"user_base","label":"User base","category":"impact","status":"present","value":"Named customer testimonials: WorkTango Inc., SkyHive (now part of Cornerstone OnDemand), Private AI, Accend, and hireEZ.","not_yet_interpreted":false,"quote":"Nadir Ebrahim WorkTango Inc. CPO “We needed absolute certain that our AI capability could process employee feedback accurately and without bias. Going through the Armilla process gave us the confidence to launch this capability across our customer base, knowing we were delivering a solution that truly serves our customers and their employees.” Mohan Reddy SkyHive (now part of Cornerstone OnDemand) CTO \"Armilla's third-party certification and warranty played a key role in highlighting the performance and fairness of our AI models, which made our business even more attractive to customers, and aligned with our acquirer's shared commitment to ethical and responsible AI.\" Patricia Thaine Private AI CEO \"Armilla AI’s third party verification and warranty on the performance and accuracy of our AI-powered de-identification solution has been a powerful asset in sales cycles, helping accelerate discussions with large enterprises.\" Joseph Zhou Accend Co-Founder \"We needed to include an independent audit of our LLM-based risk assessment as part of a response to an RFP from a large fintech. Armilla AI conducted a comprehensive and efficient assessment, helping us meet this requirement within a tight timeline, and, unlike other third-party auditors, were able to offer a warranty guaranteeing our system KPIs. We’d highly recommend working with them.\" Walter Zhang hireEZ Legal Counsel \"Armilla AI provided an efficient and comprehensive bias assessment of our candidate sourcing and matching tools, enabling our team to voluntarily align with regulations such as NYC Local Law 144 and respond to questions from customers.\"","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"support_model","label":"Support model","category":"practicality","status":"present","value":"Broker-facing support tier described as \"white-glove\": dedicated resources, training and co-marketing for appointed brokers.","not_yet_interpreted":false,"quote":"Dedicated Broker Support : White-glove resources, training, and co-marketing to help you succeed.","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"supported_regions","label":"Supported regions","category":"practicality","status":"present","value":"Availability is jurisdiction-dependent: the product is surplus-lines insurance, not offered everywhere, and sold only through licensed surplus-lines brokers.","not_yet_interpreted":false,"quote":"Coverage may not be available in all jurisdictions and is offered only through properly licensed surplus lines brokers.","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"red_teaming","label":"Red teaming","category":"safety","status":"present","value":"States it provides AI specialists for stress testing and red teaming as part of its risk-assessment service to businesses.","not_yet_interpreted":false,"quote":"We provide AI specialists to help with robust stress testing, red teaming, and more.","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"vendor_client_types","label":"Client types","category":"assurance","status":"present","value":"Businesses deploying AI, addressed on two axes the page names: compliance with AI regulations and industry standards, and risk transfer for AI disruptions from non-breach security issues to performance failures.","not_yet_interpreted":false,"quote":"Businesses, Innovate Without Fear Clear Compliance: Build confidence in your AI compliance with AI regulations and industry standards. Risk Transfer: Offload the financial burden of AI disruptions, from non-breach security issues to performance failures.","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"high_risk_domains","label":"High-risk domains","category":"impact","status":"present","value":"AI-driven lending and credit decisioning for banks and credit unions, via the MKIII case study.","not_yet_interpreted":false,"quote":"MKIII helps banks and credit unions confidently approve more borrowers with an AI Loan Decision Model trained on millions of historical loans.","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"settlement_mechanism","label":"Settlement mechanism","category":"assurance","status":"present","value":"Offers an \"AI Performance Warranty\": the vendor states that if an insured AI system fails to perform as promised, the warranty funds the customer remedy.","not_yet_interpreted":false,"quote":"AI Performance Warranty Back your AI with a clear assurance: if an AI system fails to perform as promised, the warranty funds the customer remedy.","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"asset_custody","label":"Asset custody","category":"assurance","status":"no_public_information","value":null,"not_yet_interpreted":false,"quote":null,"source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"audit_trail","label":"Audit trail","category":"assurance","status":"no_public_information","value":null,"not_yet_interpreted":false,"quote":null,"source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null},{"key":"audit_trail_immutable","label":"Tamper-evident 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at Lloyd's. Affirmative AI Liability Insurance is underwritten by certain underwriters at Lloyd's.","source_url":"https://www.armilla.ai/","retrieved_at":"2026-09-11T14:05:18.337776+00:00","review":null,"superseded_quote":null}],"trust_gap_scores":[{"dimension":"runtime_governance","score":0,"rationale":"No public evidence found on the page checked.","rubric_version":"v1","scored_by":"factchecker-cloud","judged":true,"scored_at":"2026-09-04T08:28:08.443597+00:00","superseded_scores":null,"rests_on_flagged_absence":null,"evidence_newer_than_judgement":{"fields":["Runtime governance","Permission scopes"],"newest_capture_at":"2026-09-11T14:05:18.337776+00:00"}},{"dimension":"audit_trail","score":0,"rationale":"No public evidence found on the page checked.","rubric_version":"v1","scored_by":"factchecker-cloud","judged":true,"scored_at":"2026-09-04T08:28:08.443597+00:00","superseded_scores":null,"rests_on_flagged_absence":null,"evidence_newer_than_judgement":{"fields":["Audit trail","Tamper-evident log"],"newest_capture_at":"2026-09-11T14:05:18.337776+00:00"}},{"dimension":"compliance","score":2,"rationale":"Publishes a real, checkable regulatory posture: Armilla Insurance Services is stated to be a Coverholder at Lloyd's, the product is stated to be underwritten by certain underwriters at Lloyd's, and coverage is stated to be surplus-lines, jurisdiction-dependent and sold only through licensed surplus-lines brokers. Short of 3 because no per-engagement compliance schedule and no certification, auditor or report date appears on the page checked. Supersedes the 2026-07-30 score of 0 (\"no regulatory status is stated\"), which was correct against the 843-character capture then held and became wrong when the 2026-09-11 capture added vendor_regulatory_status and regulatory_alignment.","rubric_version":"v1","scored_by":"factchecker-cloud","judged":true,"scored_at":"2026-09-12T08:27:20.232036+00:00","superseded_scores":[{"score":1,"rationale":"Scored from 1 evidenced field(s): regulatory_alignment. 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