--- title: "Testudo: AI Liability Insurance, Backed by Lloyd's" url: "https://www.testudo.co" description: "Testudo is the AI liability insurance company. Lloyd's coverholder writing standalone AI liability for U.S. companies." site: "Testudo" --- AI liability insurance ยท Underwritten at Lloyd's # Your business uses generative AI. We cover the risk. Liability coverage that protects your business from the costs of lawsuits arising from your use of generative AI. ## Featured in ![Insurance Post](https://cdn.sanity.io/images/gp7n7vhf/production/dfd2a57a90b2093a892a21a53a24a4a2c00f3e71-1449x198.png?auto=format&fit=max&q=80&w=300) ![Big I](https://cdn.sanity.io/images/gp7n7vhf/production/b400745c5715b0a8badb492c1e858e02ca9624a7-475x155.png?auto=format&fit=max&q=80&w=300) ![Insurance Insider](https://cdn.sanity.io/images/gp7n7vhf/production/f4c75e69e4c450f32fb6df734907ae9994549875-820x286.png?auto=format&fit=max&q=80&w=300) ![Insurance Edge](https://cdn.sanity.io/images/gp7n7vhf/production/609c96d764d37dd671bb30bbfba4dcb84d169c18-464x100.png?auto=format&fit=max&q=80&w=300) ![Nasdaq](https://cdn.sanity.io/images/gp7n7vhf/production/0f612bc91c3f5f0c0f4fbc5fad1ccc3bcf04aadb-352x100.png?auto=format&fit=max&q=80&w=300) ![Insurance Times](https://cdn.sanity.io/images/gp7n7vhf/production/64d803044f93a4fc4376076110a5f189f391fbd0-302x122.png?auto=format&fit=max&q=80&w=300) ![Reinsurance News](https://cdn.sanity.io/images/gp7n7vhf/production/77b1a77344bf044483d0b9068a0994c1ebdedb51-687x100.png?auto=format&fit=max&q=80&w=300) ![S&P](https://cdn.sanity.io/images/gp7n7vhf/production/de4f9b1d741c93017a33fb90164a4627594915a5-1813x721.png?auto=format&fit=max&q=80&w=300) ![Yahoo Finance](https://cdn.sanity.io/images/gp7n7vhf/production/3116cfa686ef34bc0a9909d2e928cc4a57b15a2f-273x100.png?auto=format&fit=max&q=80&w=273) ![TBPN](https://cdn.sanity.io/images/gp7n7vhf/production/e2f9d6f18fe973ac6b0a9386c71e921e4dc127d8-3818x1718.png?auto=format&fit=max&q=80&w=300) ![Law.com](https://cdn.sanity.io/images/gp7n7vhf/production/b21cf750605eb596a8eecbecda58ac65b34100ad-578x100.png?auto=format&fit=max&q=80&w=300) Generative AI lawsuits are increasing 137% increase in 2025, and rising Source: Testudo AI Risk Engine case-law tracker (May 2026). Potential cost to your business ~$5m is the median damages demanded in AI lawsuits since 2016 Source: Testudo AI Risk Engine case-law tracker (May 2026). ## Generative AI risk is already on your balance sheet. **Problem:** You are deploying generative and agentic AI across your business, but your existing insurance may not cover the risks it creates. As AI-related claims, lawsuits, and [exclusions](https://www.testudo.co/insurance/generative-ai-exclusions) bite, you could be left exposed. **Solution:** Get [AI liability insurance](https://www.testudo.co/insights/testudo-launches-new-insurance-coverage-for-liability-risks-created-by-generative-ai-systems) tailored to your use of generative AI. Our coverage helps protect you from the cost of AI-related lawsuits, so you can deploy AI with confidence. ## Simple insurance, with no lengthy audits and no integration with your AI systems. [See the coverage](https://www.testudo.co/insurance) ![Testudo, AI liability insurance for generative AI](https://www.testudo.co/content/assets/c9764c0012f5176542da4b7b37f255056184a0cd-2880x898.webp) Covered by Testudo Understand your AI exposure ## Clarity and coverage. We turn AI litigation, regulatory, incident, and loss data into clear risk insights so you can understand your AI liability exposure and protect your business with insurance. 01 ### Custom Risk Reports Get a clear, up-to-date view of your AI liability exposure, tailored to your AI use cases and business profile. 02 ### Monitor Liability Trends Enable your risk team to stay ahead of emerging AI lawsuits, regulatory actions, and claims with insights from our record of AI litigation, enforcement actions, and incidents. 03 ### Protect Your Balance Sheet Insure the generative AI you deploy, with AI liability insurance underwritten at Lloyd's. San Francisco, California City of London, UK ## Engineered to help you understand AI risk. Est ![Testudo turtle mark](https://www.testudo.co/turtles/white.svg?dpl=dpl_GoQjuRvzDcYb8jbeYpLpEt81H2Wy) 2024 AI Risk Engine ## Your coverage keeps pace with AI risk. AI lawsuits, regulatory actions, exclusions, and incidents emerge every week. We monitor them continuously so your coverage reflects the risks your business actually faces, not last year's hypotheticals. [See coverage](https://www.testudo.co/insurance) ![Events, tracked](https://www.testudo.co/content/assets/0b5681a187b860493244efbec989f9fdc699265e-25x25.svg?dpl=dpl_GoQjuRvzDcYb8jbeYpLpEt81H2Wy) Events, tracked AI lawsuits, regulatory actions, and incidents, tracked as they land. ![Mapped to you](https://www.testudo.co/content/assets/8c69f851d64dee68c504d843a426a5bd8aa503eb-25x25.svg?dpl=dpl_GoQjuRvzDcYb8jbeYpLpEt81H2Wy) Mapped to you Risk tagged by your industry, AI use case, and exposure profile. ![Pricing that moves](https://www.testudo.co/content/assets/d5b82cf8c713738831dd6a739dab0e35687c4549-25x25.svg?dpl=dpl_GoQjuRvzDcYb8jbeYpLpEt81H2Wy) Pricing that moves Coverage and pricing updated as the AI risk landscape shifts. ![Gaps surfaced](https://www.testudo.co/content/assets/f23e7ab5d3812fd32ae5f11674fea68852e64933-25x25.svg?dpl=dpl_GoQjuRvzDcYb8jbeYpLpEt81H2Wy) Gaps surfaced Where your existing policies leave you exposed, made visible. ![Events, tracked](https://www.testudo.co/content/assets/0b5681a187b860493244efbec989f9fdc699265e-25x25.svg?dpl=dpl_GoQjuRvzDcYb8jbeYpLpEt81H2Wy) Events, tracked AI lawsuits, regulatory actions, and incidents, tracked as they land. ![Mapped to you](https://www.testudo.co/content/assets/8c69f851d64dee68c504d843a426a5bd8aa503eb-25x25.svg?dpl=dpl_GoQjuRvzDcYb8jbeYpLpEt81H2Wy) Mapped to you Risk tagged by your industry, AI use case, and exposure profile. ![Pricing that moves](https://www.testudo.co/content/assets/d5b82cf8c713738831dd6a739dab0e35687c4549-25x25.svg?dpl=dpl_GoQjuRvzDcYb8jbeYpLpEt81H2Wy) Pricing that moves Coverage and pricing updated as the AI risk landscape shifts. ![Gaps surfaced](https://www.testudo.co/content/assets/f23e7ab5d3812fd32ae5f11674fea68852e64933-25x25.svg?dpl=dpl_GoQjuRvzDcYb8jbeYpLpEt81H2Wy) Gaps surfaced Where your existing policies leave you exposed, made visible. Adopt AI without the legal risk ## We help your legal and compliance teams say yes to AI adoption. ![We help your legal and compliance teams say yes to AI adoption.](https://www.testudo.co/content/assets/50063a597c8ccc8b97da52fd927fee4e76baca19-1508x2732.webp) ![We help your legal and compliance teams say yes to AI adoption.](https://www.testudo.co/content/assets/789f3264b96e9565160cf5abf80e2c53f42d3225-1508x2260.webp) ![We help your legal and compliance teams say yes to AI adoption.](https://www.testudo.co/content/assets/137d46e27bdb96818275f2d19bac58aae6576f31-1508x2068.webp) ![We help your legal and compliance teams say yes to AI adoption.](https://www.testudo.co/content/assets/09aaa7e3202970d4e0ba6871c9393f02a80b5cb9-1508x2256.webp) Our Investors ![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. ## Help us insure the AI economy At Testudo, we're building the insurance layer that will help companies deploy AI safely and confidently. Our team brings together deep expertise in insurance, machine learning, and enterprise technology to solve one of the defining risk challenges of the next decade. Backed by leading investors and supported by Lloyd's underwriting capacity, we're moving quickly and looking for exceptional people to help shape the future of AI risk. All open roles (6) - ### [Head of US Distribution](https://app.dover.com/apply/testudo/1ca01e85-63e1-4fbb-8a8d-9ea02b4994b3) OnsiteNew York City, NY - ### [Member of Technical Staff, AI](https://app.dover.com/apply/testudo/ddd98984-1034-49db-ad6b-39318b3ce2c1) OnsiteNew York City, NY - ### [Member of Technical Staff, Full-Stack](https://app.dover.com/apply/testudo/f69a699c-0373-4a2b-bb4c-8286e0a79b08) OnsiteNew York City, NY - ### [Member of Technical Staff, Pricing & Risk](https://app.dover.com/apply/testudo/dea39b42-d636-4ff3-8804-9111d11139c6) OnsiteNew York City, NY - ### [Member of Technical Staff, Quantitative Research](https://app.dover.com/apply/testudo/594a011e-4188-4132-ad16-dd80afcc02f5) OnsiteNew York City, NY - ### [The Role You Are Perfect For](https://app.dover.com/apply/testudo/2dddbc08-9ea1-48bc-9b92-e578d97b8e49) OnsiteNew York City, NY --- ## 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)