AI Liability: Covered
The insurance layer
for AI
Standard cyber policies exclude AI use. Quark's all-in-one AI protection cover offers testing, certification and insurance cover for businesses using AI.
The coverage gap
"Insurers, apparently concerned with AI loss coming within the scope of coverage under existing coverage lines, are looking for ways to limit or exclude coverage via AI-specific exclusions and endorsements."
Geoffrey Fehling and Michael Levine, Partners at Hunton Andrews Kurth; and Evan Bundschuh, President of Commercial Lines at GB&A Insurance
Is your AI ready for scrutiny?
AI systems can fail differently each time in production. With each new wave of AI-frontier releases, we are discovering newer types of drift and workflow breakdowns. Standard policies weren't written for this uncertainty.
EXISTING
Cyber & E&O Policies
These policies were built for data breaches and human errors. Carriers are now adding explicit exclusions for AI-generated data breaches, autonomous decisions, and model failures.
QUARK
AI Liability Coverage
Underwritten specifically for AI risk, for both AI providers (startups and labs) and deployers (businesses). Covers lost revenue, business interruption and legal damages, alongside running a 24×7 AI risk-management platform.
EXISTING
General Liability
Covers physical property and bodily injury. The Verisk/ISO CGL AI exclusion, effective January 2026, removes AI-related incidents from this policy entirely.
EXISTING
D&O / Fiduciary
Covers directors and officers from decisions they made. Berkley's "absolute" AI exclusion now strips this coverage when AI is involved in the decision chain.
Regulation is keeping an eye on AI risk.
Three major legal frameworks have come into force in the last 12 months, each placing direct liability on AI deployers.
Who we cover
One platform. Every side
of the AI risk equation.
Whether you build AI or deploy it, the liability exposure is real and growing. Quark covers both sides of the table: purpose-built policy language, backed by global carriers.
AI vendors increasingly commit to performance guarantees to close enterprise deals. Those warranties create direct balance-sheet exposure; Quark's coverage transfers that contractual liability to an insurer best placed to underwrite it.
Deploying or distributing AI introduces liabilities that didn't exist before. The most common claims for AI deployers:
- Discrimination and bias decisions
- IP infringement
- Hallucination-driven errors
- Unauthorized actions
Automating critical business processes with AI unlocks real efficiency, but a single failure can cause business interruption, misinformed decisions, and downstream legal liability. Quark covers financial losses from AI use.
Risk monitoring
Best-in-class assessment.
Coverage that reflects it.
Accurate underwriting requires accurate risk data. Before coverage is bound, we run regulatory-grade tests across your AI workflows; then we repeat them every 24 hours. The result: continuous OWASP, NIST, MITRE, and MAS evidence that keeps your policy current, and your insurer informed, as your deployment evolves.
Composite of 8 risk dimensions, framework-mapped, board-ready.
The numbers behind
every monitoring run.
Every scan, finding, and signal is captured, scored, and rolled up into a single risk view your underwriter, auditor, and procurement team can act on.
Continuous vulnerability scanning and risk scoring across your deployed AI. We surface threats before they reach production, or reach your customers.
- 27 attack techniques across prompt injection, jailbreaks, and data exfiltration
- 44 vulnerability definitions covering PII leakage, hallucination, toxic outputs, and policy violations
- Risk score (0–100), severity-weighted and mapped to your deployment inventory
Validate guardrails against real adversarial inputs. Prove they hold; harden them where they don't.
- Continuous benchmark suites that re-run on every model update
- Regression detection before findings reach production
- Immutable audit trail of every test and every remediation
Board-level go/no-go decisions with framework-aligned evidence: ready for procurement, regulators, and your insurer.
- Mapped to OWASP LLM Top 10, NIST AI RMF, MITRE ATLAS, MAS MindForge, AI Verify
- 32-page regulatory-grade report generated in minutes, not weeks
- Tamper-evident signature so auditors can verify provenance themselves
How it works
Covered in days.
Protected continuously.
A structured path from first assessment to bound policy, with a live monitoring loop, meaning your coverage never goes stale.
Submit
Describe your AI deployment: what it does, what data it touches, and what your customers contractually require from you.
Risk Assessment
Our platform runs tests across 8 risk dimensions, scored against OWASP LLM Top 10, NIST AI RMF, MITRE ATLAS, and MAS MindForge.
Harden & Remediate
We surface gaps and guide you through targeted fixes: guardrails, access controls, human-in-loop checks; then re-test to confirm the improvement.
Policy + Certificate
A bound AI liability policy and a signed, framework-mapped certificate: ready for your enterprise buyer's procurement and legal review.
Live Monitoring
Scans run daily. If something changes materially, we alert you and initiate remedial coverage, keeping your risk profile current as your AI evolves.
Who we work with
Built for companies where
AI is the product.
Companies building autonomous agents that take actions (scheduling, purchasing, customer service) on behalf of users or enterprises.
Labs and API providers whose models are embedded in enterprise products, carrying contractual performance warranties and output liability.
Businesses deploying AI in healthcare, finance, legal, or HR, where decisions carry direct regulatory exposure under the EU AI Act, Colorado AI Act, and California AB 316.
FAQ
Common questions,
straight answers.
The market
AI risk is real.
The coverage market is not.
Carriers are excluding faster than new products are launching. Quark exists to close that gap: purpose-built coverage, real underwriting, and the monitoring layer that makes it sustainable.
Start a coverage review →Start here
Get a coverage review
in 72 hours.
Tell us about your AI product and your customers. We'll come back with a first underwriting view: what's coverable, at what limits, and what the path to a bound policy looks like.
- No coverage is bound from this page
- First underwriting view within 72 hours
- Placed through licensed carrier and reinsurance partners
- No broker fees on intake review