Getting covered, plainly.
There is nothing magic here. Insurers writing AI agent risk need structured evidence: a documented deployment, an independent assessment and a response plan that works. This page sets out how to produce all three, and how to take them to the market. Insure Your Agent is not an insurer or a broker, and sells nothing.
Four steps. All of them ordinary.
This is the evidence specialist underwriters have always asked for, adapted to autonomous systems. It feels unfamiliar only because most operators have never had to produce it for software.
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01
Describe what your agents do
You cannot insure what you cannot describe.
One page for each agent in production: what it may do, who it talks to, which tools and data it can reach, which decisions need a person, and who owns it. The first of the three questions walks through it.
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02
Read what you already hold
Ask your broker, in writing, how every policy responds to a loss caused by your agent.
Errors and omissions, cyber, general liability and D&O, clause by clause, with any AI exclusion identified by number. That tells you where you are already covered, where you are excluded, and what is left to buy. Six questions to send.
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03
Assess the agent against a published standard
An assessment turns your description into an evidence file a third party can read.
It records what the agent does, how it is governed, what could go wrong, which controls are in place and where the gaps are. Underwriters read it before they quote, and regulators ask for parts of it under the EU AI Act. AIUC-1, published by the Artificial Intelligence Underwriting Company (AIUC), is one published standard for AI agents. Agent Certified, published by Future Proof Intelligence, scores one agent across seven dimensions; its assessment cycle takes four to six weeks. A rehearsed incident plan belongs in the same file.
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04
Take it to a broker, and read the wording
Dedicated AI cover is written by a small number of specialist providers, much of it through Lloyd's of London.
Your broker takes the evidence to the market and returns with an indication. The carrier may ask for the assessment, a demonstration of your incident plan and a short attestation from the board or senior management. Read the exclusions, sub limits and retention before you bind. This step happens between you, your broker and the carrier; we do not sit in the room. The carrier comparison at agentinsured.eu shows who writes what, and its waitlist records interest in European cover.
Tell us what your agents do.
Your message goes to the editors at Future Proof Intelligence, who publish this guide. We do not sell, arrange or recommend insurance, and nothing you write here is a request for a quote.
Insure Your Agent explains the market and points to it. For a policy, speak to a qualified broker.
Know where you stand. Three questions, ten minutes.
- What your agents do. Scope, guardrails and a named owner for each.
- What your policies say. In writing, from your broker, policy by policy.
- What you would do tomorrow. A one page plan, rehearsed once.