You deployed an agent that books, buys, promises or decides on your behalf. If it gets something wrong, your existing policies almost certainly do not respond. This site is the plain guide to what that means and what to do about it.
If you run an SME and you turned on an AI agent this year, you are probably sitting inside all three of these gaps without realising it. Here is the short version. The rest of the site walks each one in detail.
Not theoretical harm. An Air Canada chatbot invented a bereavement discount and a tribunal ordered the airline to pay it. A New York firm filed fictional case citations generated by an AI tool and was sanctioned. Agents that transact, communicate or advise create exposure the moment they go live.
Most Errors and Omissions wordings, cyber policies, and general liability contracts were written before autonomous systems existed. Insurers are now adding explicit AI exclusions at renewal. Even without an exclusion, proving the event was covered gets difficult fast when the decision was made by a model.
New insurance products are coming online in 2026. AIUC-1 just became the first certification standard to underwrite an AI agent deployment. The EU AI Act and the revised Product Liability Directive are pushing the market to respond. Coverage exists. You have to prepare for it.
Before you talk to a broker, a lawyer, or a certification body, you need to know the answers to three questions. We wrote them as a short diagnostic. It takes about ten minutes to read and will tell you exactly what to do next.
Read the three questionsDocumented scope, guardrails, and human checkpoints.
E&O, cyber, general liability, D&O. All four.
Who pauses the agent, who calls legal, who notifies users.
If you think this is too early to worry about, the regulators and insurers disagree. Two developments in the last eighteen months are worth watching closely.
“The first AI agent deployment to be underwritten against a formal standard was certified against AIUC-1 in 2025.”
AIUC-1 is a certification and assurance standard for AI agents developed by the AI Underwriting Company with participation from Munich Re, one of the largest reinsurers in the world. The headline case involved an ElevenLabs voice agent deployment. It is the first time an insurer has accepted a structured AI evaluation as the basis for underwriting an autonomous system. Read the full context.
On the regulatory side, the EU AI Act entered into force in 2024 with the first operator obligations starting August 2, 2026, and the high risk obligations following in 2027. The revised EU Product Liability Directive explicitly brings software and AI systems inside strict liability rules. If your agent is operating in Europe, the legal standard of care has already changed.
Written for operators and founders in plain English. Each one sits on a specific question we keep hearing from people running AI in production.
Your existing cyber and E&O policies may already exclude AI agent incidents. A plain guide to the four exclusion types that matter and how to check your current wording.
Incident responseWhen your agent causes harm, who pauses it, who calls legal, and who notifies users. A step-by-step incident response plan built for small and medium enterprises running AI in production.
Coverage gapsYour E and O, cyber, and general liability policies were written before autonomous agents existed. Here is what they actually say when things go wrong.
Case studyA tribunal decision worth less than a thousand dollars rewrote the liability picture for every business running a customer-facing agent. Here is the full story.
Operator checklistA short diagnostic for founders and operations leads who want to move fast without shipping an exposure they cannot defend.
Case studyA US court sanctioned a law firm for submitting AI-fabricated case citations. The professional responsibility principle that case establishes applies far beyond law.
None of these are a perfect fit for AI agents yet. All of them matter. This is the honest map operators should read before a broker meeting, and it is the same map carriers are currently working from.
Standalone policies written against a formal AI certification standard such as AIUC-1. Coverage is calibrated to the assessed governance, oversight, and safety posture of the specific agent deployment.
Existing professional indemnity or errors & omissions wordings extended with an AI-specific endorsement. Responds when an agent delivers professional services that turn out to be wrong.
Cyber policies extended to AI-driven incidents including prompt injection, model manipulation, and automated actions causing first-party or third-party loss. Boundaries still being tested at claim.
Directors & officers cover extended to claims arising from AI deployment decisions at the board level. Becomes material as regulators begin naming specific board-level oversight duties.
Dedicated policies designed from scratch for autonomous systems rather than retrofitted from older lines. Rare today. The category most observers expect to define the AI insurance market by 2028.
Carriers writing in any of the five categories above are invited to list here. This section will expand to named programmes with coverage profiles as the insurance market matures through 2026 and 2027.
Insure Your Agent is the operator-facing entry point of the Future Proof authority stack. Readers are SME founders, heads of operations, and technology leads actively evaluating AI agent coverage. The site is calibrated to the Agent Certified methodology so carriers can reference a single underwriting framework when discussing a programme.
Carrier partnerships will open in Q4 2026. Partner formats will include category listings, underwriting spotlights, and co-branded briefings written in the house voice. No policies are currently offered for sale through this site.
Start a conversationThe Agent Certified methodology sets the seven dimensions insurers, boards, and procurement teams increasingly use to decide whether an AI agent is safe to rely on. Read the framework before you shop for coverage.