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It maps your current insurance stack (CGL, E&O, Cyber, EPL, D&O, Product, Tech E&O, Media) against your AI use cases, jurisdictions, vendor posture, and contract hygiene. The output is a 10×8 gap heatmap, top exclusion flags with citations, a product shopping list, and 12 broker-conversation questions.

A Verisk-published CGL endorsement that broadly excludes AI-related liability. Effective Jan 1, 2026. When attached to your CGL renewal, claims arising from AI-driven decisions or generative outputs are typically excluded.

A more limited CGL endorsement on AI exposure with explicit carve-outs. The carve-outs determine whether specific AI features are covered. Read the language carefully.

Most cyber forms still neither affirmatively cover nor explicitly exclude AI exposure — carriers may assert ambiguity at claim-time. The fix is an affirmative-AI endorsement on your cyber renewal.

Generally yes for professional errors, but newer Tech E&O often layers on better. Custom fine-tuning, training-data IP, and content-generation outputs may sit between policies.

When you process customer data through AI, when you store training data, or when AI is involved in any incident-response chain. The affirmative endorsement removes ambiguity.

Armilla, Munich Re aiSure, AXA XL AI E&O, Vouch AI, Testudo, Chubb AI Liability, Travelers CyberRisk + AI, Beazley InfoSec + AI, plus carrier-specific endorsements. Coverage scopes differ — read the fact sheets.

Through a broker, in most cases. Brokers know carrier appetite, can negotiate carve-outs, and place coverage that matches your risk register.

Underwriting submissions ask about AI use cases, vendor stack, MRMs, and incident history. Premium ranges depend on industry, revenue, and historical loss — our tool surfaces an illustrative range, not a binding quote.

Bartz v. Anthropic (2025, training-data IP), Air Canada v. Moffatt (2024, AI agent making promises), Mata v. Avianca (2023, AI hallucination in legal filing). Each shifts the placement and exclusion conversation.

Verisk CG 40 47 / CG 40 48 effective Jan 1, 2026. Carrier-specific affirmative endorsements arrive monthly. Subscribe to the Buzzi quarterly landscape for updates.

Colorado AI Act, NYC LL 144 (employment), California SB 53, Illinois BIPA. Each adds liability or compliance friction that impacts EPL, D&O, and regulatory-fines coverage.

EU AI Act adds risk classification and liability. UK, Canada, Australia, Singapore have their own regimes — each creates jurisdiction-specific exposure.

No — we do not take commissions. We can prepare you for the broker conversation with the right exclusion citations, gap matrix, and product shortlist.

Independence. The whole point is honest gap detection. Commissions would create a conflict of interest with the user.