Who will stand behind an AI agent?
Most commercial insurance was written before generative AI and is silent on AI failure: it neither clearly covers a hallucinated output, a mis-executed transaction or a model that drifts, nor clearly excludes it. A market has formed to close that gap — specialist managing general agents, Lloyd’s coverholders, performance-guarantee programmes, independent evaluators and audit firms.
This index tracks that market with the same evidence standard as everything else here. Every claim on a vendor entry cites the document it came from and the date it was checked, and where a vendor does not publish something — its limits, its indemnification terms, its regulatory status — we record that instead of inferring it.
What we track
| Insurance availability | Whether cover can actually be written for this system |
| Carriers and programmes | Who is named as underwriting it, and in what structure |
| Coverage limits | Published policy limits, where a vendor states them |
| Indemnification | What the vendor indemnifies its customer against |
| Liability cap | Contractual limitation of liability |
| Regulatory status | Carrier, MGA, coverholder, broker, or unregulated |
| Underwriting backing | Syndicates, reinsurers, or capital behind the offering |
| Evaluation coverage | Whether an independent evaluator benchmarks it |
| Audit trail | Whether actions produce a tamper-evident, reviewable record |
| Settlement mechanism | Escrow, milestone release, or clawback on failure |
Twenty-one assurance fields in total, alongside the thirty-eight covering agency, safety, practicality, foundation models, ecosystem and impact. See the methodology.
Why nobody else covers this
The large AI agent directories organise by what an agent does: sales, coding, customer support, video, images. That is a useful way to shop and a useless way to assess risk. None of them carry an insurance, assurance or audit category, so the question a buyer actually has to answer before deployment — what happens when this thing is wrong, and who pays — has no home.
That question is the whole reason this index exists.
Vendors
10 entries
Markets cyber insurance combined with security tooling. Its enterprise cyber coverage is described on its own site as backed by Allianz's A+ rated capacity. Its own regulatory status, and whether it writes AI-specific cover, are not stated on the page checked.
Self-described insurance broker and risk advisor to growing companies, serving technology, healthcare and life sciences, professional services, and financial services. Whether it places or underwrites AI-specific cover is not stated on the page checked.
Credo AI is an AI governance platform positioned for the agentic era, treating agents as first-class governed entities that are registered, risk-assessed, sanctioned and governed into runtime, with policy packs mapped to the EU AI Act, NIST AI RMF, ISO-42001, OMB M-25, Colorado ADMT and NAIC AI. It was named a Leader in the Forrester Wave: AI Governance Solutions, Q3 2025.
Holistic AI is an end-to-end enterprise AI governance platform that automatically detects models, agents, APIs, pipelines and workflows across AWS, Azure, GitHub, Databricks and 20+ integrations, performs AI red teaming, and enforces deployment gates, approval workflows and kill switches through Guardian Agents with human-in-the-loop oversight. It provides built-in frameworks for the EU AI Act, NIST AI RMF, ISO 42001 and NYC Local Law 144, and was ranked #1 for the AI Risk and Compliance Use Case in Gartner's Critical Capabilities for AI Governance Platforms.
A suite of insurance coverage for AI systems, aimed at both AI providers and companies adopting AI.
Provides affirmative AI liability insurance for generative AI and AI agents, covering AI failure modes that conventional policies leave silent.
If you are a vendor
Entries are compiled from public sources. The fastest way to correct or complete one is to publish the information — we cite what you state, and we record what you do not. A field marked no public information reflects your disclosure, not our effort.