Capital market and data solutions for AI Risk
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Generative AI Lawsuits Filed
% increase in 2025, and rising
Median awarded damages for a settled AI lawsuit
~$m since 2016
Problem: Because Gen AI is now used everywhere but is relatively new, older insurance policies were not written with AI in mind. This creates a dangerous gray area for companies that deploy AI buying insurance; they should not assume their current AI tools are covered, as they likely face gaps that leave them exposed to lawsuits. Commercial General Liability insurance is the standard policy for protecting against third-party bodily injury and property damage claims. However, it is becoming less effective for AI risks due to new exclusions available from January 1, 2026, which specifically carve out Generative AI liabilities.
Solution: Our purpose-built AI liability insurance addresses these gaps, providing comprehensive coverage specifically designed for generative AI risk profiles. This specialized coverage replaces fragmented uncertainty with a unified solution that enables organizations to innovate with confidence.
Innovate with Confidence
We built the most comprehensive dataset of global AI-related lawsuits and incidents—transforming legal precedents and loss patterns into actionable insights. Whether you’re a broker, carrier, or risk leader, we help you write, buy, and trust AI coverage.
AI Underwriting Methodology
Powered by real case law data, not hypotheticals.
AI Risk Summary Reports
Delivered in real-time, custom to your AI system.
Purpose-Built Insurance
Coverage that affirmatively covers AI risks.
Testudo underwrites AI risks with active litigation exposure monitoring and real time data. Our AI Risk Engine ingests, tags, and models data to power best-in-class risk management and underwriting for AI systems.
Ingest
Real-time lawsuit filings across jurisdictions
Tag
Risk factors by industry, model type, and outcome
Live Feeds
Adaptive risk scoring, pricing, underwriting
Simulate
Losses and coverage gaps
Where Progress Meets Protection
The AI revolution is underway — but without risk transfer markets, it won’t scale.




Our Investors

Testudo has raised capital from IA Capital Group, LocalGlobe, A100x, Josh Buckley, Charlie Songhurst, Goldman Sachs partners and other VC scout funds.
We’re an early-stage team with deep roots in insurance, machine learning, and enterprise tech. With backing from tier-one investors and momentum from Lloyd’s Lab, we’re moving fast — and building smart. AI powers every layer of our workflows, giving us efficiency and cost advantages legacy platforms can’t match.
