The standalone policy for generative AI liability, built for brokers to place.

Scheduling specific systems gives the client certainty of coverage. Blanket policies often lead to coverage disputes.

The schedule also protects the client from shadow AI, where employees use unsanctioned AI tools without IT approval. We write coverage for the AI systems the client has reviewed and approved. Anything outside that list we don't price, because we don't know it exists. A schedule keeps coverage and premium aligned to what's actually deployed.

We are happy to add new Gen AI systems to the schedule on request, subject to an underwriting review.

Testudo writes US risks today because the US is where the claims environment is most developed. That includes ISO CGL exclusions from January 2026, the Moffatt v. Air Canada precedent, and the bulk of early-stage litigation in federal and state courts.

Our underwriting data (claims development, deployment patterns, model performance) is mainly US-sourced. We expect to expand internationally as non-US markets reach the same claims maturity.

For a global client operating worldwide with a US HQ, or any other bespoke risk, please reach out to the team on a case-by-case basis.

Commercial companies from mid-market through large enterprise. You can pitch this across most of your book, including manufacturers, retailers, professional services, banks, and healthcare organizations. If a client is using generative AI internally, in a customer-facing, or decision-making workflow, they are in the target market.

We supply risk reports to the broker to help start the conversation. They come industry-specific, or company-specific for a named policyholder.

Yes. AI hallucinations are covered under the Generative AI Errors insuring agreement, which responds when a generative AI system the insured has deployed produces a false or misleading output and a third party suffers financial loss relying on it.

"AI hallucination" is the common name for this failure mode. On the Testudo form it is one of five insuring agreements, alongside IP Infringement and Personal Injury, Unauthorized Data Disclosure, Bodily Injury, and Property Damage.

Cyber insurance may include a narrow section covering media liability. Testudo's IP Infringement and Personal Injury agreement responds to copyright, trademark, libel, and slander from a generative AI output in one trigger. Cyber wordings vary widely, and in our view that coverage is rarely sufficient for an AI-deployer policyholder, because cyber forms were written for network and data-breach events, not for Gen AI output liability.

Where the client already has the coverage under another policy, we can write Testudo on a modular basis, dropping the agreements that duplicate what's already placed and pricing to what's left.

No. We exclude cyber-attacks.

If the loss is caused by a cyber-attack, the cyber insurer pays, subject to the cyber contract. Cyber insurance policies generally respond to the defined 'Computer System.'

No. Testudo's Generative AI Third-Party Liability is a commercial-only product.