--- title: "About Testudo | AI Liability Insurance" url: "https://www.testudo.co/about" description: "AI liability insurance for the generative AI your business deploys. Testudo is building the insurance infrastructure for the next era of enterprise AI." site: "Testudo" --- ![We help companies take part in the AI economy without fear.](https://www.testudo.co/content/assets/0d2a80fb41b3e4f8561f9cb2eecd2c50059d39e8-2880x856.webp) About Testudo # We help companies take part in the AI economy without fear. What we do ## We insure the new liability that comes with using AI. Testudo is a Lloyd's of London coverholder writing standalone AI liability insurance for the generative AI US companies deploy. A few choices shape how we work. 01 ### Underwriting led by real litigation We price AI risk from the lawsuits companies actually face, drawing on a dataset of real AI litigation and our own AI Risk Engine, not benchmarks or guesswork. 02 ### A standalone policy, not a bolt-on We wrote dedicated cover as its own claims-made policy, rather than an endorsement on a form built for something else, so it responds to the AI exposures older policies are starting to exclude. 03 ### We pay so you can keep building When a covered claim hits, the policy covers the defense and the damages, up to its limits, so one lawsuit does not undo years of work. 04 ### An indication in days, not weeks We can give an indication in days, with no access to your code, no audits, and no integrations, so getting covered never becomes an engineering project. ![Mosaic artwork of a robotic arm operating in an industrial facility](https://www.testudo.co/content/assets/a899b41a51fc93eecd29bd109754417622719438-689x364.webp) ![Mosaic artwork of robotic arms on a factory floor](https://www.testudo.co/content/assets/9293af9c06c27d927ed233cc68818386b001a06c-790x448.webp) Testudo is the AI underwriting companyTestudo is the AI underwriting companyTestudo is the AI underwriting companyTestudo is the AI underwriting companyTestudo is the AI underwriting companyTestudo is the AI underwriting company ## Where there is risk, there is insurance In ancient Rome, soldiers locked their shields together on all sides to form a mobile shell: resilient, coordinated, and built for collective protection under pressure. Named after the Latin word for “tortoise,” they called it a testudo formation. It was designed to make progress possible even under threat. This is what our insurance does for businesses. That same principle underpins the history of insurance. From ancient maritime risk pools to the founding of Lloyd’s in a London coffee house, insurance has always emerged to meet the needs of its era, financing global trade, railroads, aviation, and the internet. It’s one of humanity’s oldest and most powerful ideas: **_Protect yourself from a loss you are unable or unwilling to bear yourself._** ### Now we’re entering a new era, defined by artificial intelligence. But for all its promise, AI creates a new kind of risk that most insurers can’t yet underwrite. Companies are putting generative AI into real work, where it talks to customers, makes recommendations, and handles sensitive data. When it causes a third-party loss, the company is held responsible, and the insurance most of them carry was never written for it. The timing matters. Standard general liability policies have begun adding specific exclusions for generative AI, using endorsements filed with a January 2026 edition date. The exposure is growing while the older cover is being pulled back. At Testudo, we’re extending that tradition. Our job is to make generative AI a risk companies can transfer and rely on, the way insurance has always made new frontiers possible. Our conviction is simple: **_If you can insure it, you can scale it._** We started Testudo in 2024 to close that gap. We built a large dataset of AI lawsuits and an AI Risk Engine that turns real legal precedent into underwriting signal, the foundation of a platform that prices and covers AI liability, fast and without breaking trust, on A+ (Superior) rated Lloyd’s of London capacity. That work became [the standalone AI liability policy we launched in 2026](https://www.testudo.co/insights/testudo-launches-new-insurance-coverage-for-liability-risks-created-by-generative-ai-systems). Our mission is to build the underwriting infrastructure for the AI era. ![Testudo turtle mark](https://www.testudo.co/turtles/purple.svg?dpl=dpl_5qCkqg66w4dt4Run7BKLbRamnfy2) Covered by Testudo Built to be trusted [A Lloyd's of London coverholder](https://www.lloyds.com/market-resources/delegated-authorities/coverholders) A standalone, claims-made policy, not a bolt-on endorsement Up to $10M of total cover per insured A team in San Francisco, New York, and London Founded in 2024 to insure the AI economy Backed by investors who share our belief ![IA Capital Group](https://cdn.sanity.io/images/gp7n7vhf/production/55035798c1a2afa419af6fdb6c742d049198b68c-1500x253.png?auto=format&fit=max&q=100&w=750) ![Local Globe](https://cdn.sanity.io/images/gp7n7vhf/production/7b6a6dd02a5f8400591cde345e6af5b3c4f8f2b0-37x43.svg) ![A100X](https://cdn.sanity.io/images/gp7n7vhf/production/cd944eac3bd267f14eea1e08b91a2f9568569dfe-97x27.svg) ![Mastercard](https://cdn.sanity.io/images/gp7n7vhf/production/749f71b24787940813c600fb28dc03cd115215b9-999x776.svg) Testudo has raised capital from IA Capital Group, LocalGlobe, A100x, Josh Buckley, Charlie Songhurst, Goldman Sachs partners and other VC scout funds. ## Coverage you can rely on when it matters Insurance is only as good as its ability to pay a valid claim. Testudo's coverage is written on Lloyd's of London paper, rated [A+ (Superior) by AM Best](https://web.ambest.com/docs/default-source/ratings/lloydsrating.pdf), and available in the United States on an excess and surplus lines basis, subject to underwriting and not available in all states. Testudo is one of the few specialists writing this coverage today. 01 ### AI Hallucination Risk Financial loss to a third party caused by a hallucination or other negligent error or misstatement in a generative AI output (the Generative AI Errors insuring agreement). 02 ### IP Infringement and Personal Injury Third-party claims arising from generative AI outputs that allegedly infringe IP rights or cause personal injury-type harm, including defamation, privacy/publicity violations, copyright or trademark/trade dress infringement. 03 ### Unauthorized Data Disclosure Liability when a generative AI output discloses protected information it shouldn't. 04 ### Bodily Injury Bodily injury to a third party who interacts with, or relies upon the generative AI tool the insured has deployed. 05 ### Property Damage Third party property damage arising from the interaction with, or reliance upon the generative AI tool the insured has deployed. 06 ### AI Regulatory Violation Claim expenses, plus regulatory fines and penalties where insurable by law, when a governmental or regulatory authority alleges your deployment of a generative AI system violated an AI regulation or law. ## Meet the team behind Testudo Insurance is a promise. These are the underwriters, engineers, and insurance specialists who keep it. ![George Lewin-Smith](https://cdn.sanity.io/images/gp7n7vhf/production/83a7e4a77b16d116b8ee69a9a9b59947a73c0a43-1590x1598.png?auto=format&fit=max&q=75&w=795) ### George Lewin-Smith CEO | Co-Founder ![Mark Titmarsh](https://cdn.sanity.io/images/gp7n7vhf/production/58539dce49e01eb4b206dc5ca95a957dc8daedbb-512x512.png?auto=format&fit=max&q=75&w=256) ### Mark Titmarsh Head of Insurance | Co-Founder ![Alec Dewitz](https://cdn.sanity.io/images/gp7n7vhf/production/080c2be4b1420b1495afadc1023c6ca6c0f99b3b-800x800.jpg?auto=format&fit=max&q=75&w=400) ### Alec Dewitz CTO ![Martim Cruz](https://cdn.sanity.io/images/gp7n7vhf/production/d5756a322ceb577a2cf0dac51c89f4f0a4c5579e-1536x1536.webp?auto=format&fit=max&q=75&w=768) ### Martim Cruz Founding Member of Technical Staff, Data ![Sebastian Bitar](https://cdn.sanity.io/images/gp7n7vhf/production/5010430e0264ea6b98ad0b2fbfdcf32a11eaf5f9-1600x1200.jpg?auto=format&fit=max&q=75&w=800) ### Sebastian Bitar Member of Technical Staff ![Arden Hovermale](https://cdn.sanity.io/images/gp7n7vhf/production/2b6a7a073bea5abcf40505276cf5851affa1ae15-3718x3769.jpg?auto=format&fit=max&q=75&w=1859) ### Arden Hovermale AI Underwriter ![Peter Wedge FCII](https://cdn.sanity.io/images/gp7n7vhf/production/b1b924fcd4f104e44c673e9aa791553577b9ae94-1106x1030.jpg?auto=format&fit=max&q=75&w=553) ### Peter Wedge FCII General Counsel Get in touch ## Building with AI? We would like to hear about it. Whether you want cover, have a question, or want to understand the risk, we are happy to talk. Tell us what you are building and we can give an indication in days. No pressure, no jargon. [For Brokers](https://www.testudo.co/brokers) --- ## More from Testudo - [Site index for agents](https://www.testudo.co/llms.txt) - [How to use Testudo (agent instructions)](https://www.testudo.co/agents.md) - [Coverage summary](https://www.testudo.co/coverage.md) - [Sitemap](https://www.testudo.co/sitemap.xml)