Technology
Sharper risk selection. Faster distribution.
Testudo connects every AI lawsuit, incident, and deployment into one live view of exposure.
One Live View of AI Risk
We track AI deployment, lawsuits, and regulatory actions across the US economy, not just the submissions that reach our desk.
US generative AI lawsuits are up more than 150% from 2025 to 2026, per Testudo’s own lawsuit data.
A connected, always-current view of who is exposed to what.
Most AI risk data sits in isolated records. A lawsuit here, an incident there. We connect them, so every new event lands in context: which system, which company, which deployments.
We build it from public sources, so assessing a company’s exposure never requires access to its systems.
Rebrands and subsidiaries don’t break the picture. Exposure follows the real company, product, or model.
When a widely used AI system causes harm, exposure reaches everyone running it. Clients hear it from us first.
Monitoring runs both ways: every new event against our clients, every new client against the record.
AI Risk Engine
Testudo’s AI Risk Engine is the underwriting platform behind our generative AI liability coverage. At its core is a connected record of AI systems, the companies that deploy them, and the liability events that follow.
The engine turns that record into the AI Risk Summary and AI Risk Score. Our underwriters use them to select and price AI risk, and clients use them to see exactly where their own exposure sits.
Real-Time Risk Selection
We underwrite AI risk without performing invasive technical audits or requiring certifications.
Model performance is a small slice of AI liability
Our lawsuit data shows that model performance failures, including hallucinations, account for a small minority of generative AI lawsuits in the US. Liability exposure is driven by more than model performance: it comes from how and where AI is deployed.
Technology in service of distribution
Sharp risk selection, delivered at broker speed.
We deliver a bespoke AI Risk Summary, quote and bind service.
Our AI Risk Summary gives each client an AI Risk Score and insights specific to what they actually deploy.
We perform Active Liability Monitoring for our insureds to stay on top of fast-moving loss trends.
Underwriting Technology for Frontier Risk
The future of underwriting is AI assisted
Insurance underwriting has historically been a manual process, often driven by human judgment and gut feel. However once guidelines, policies and pricing have been defined by specialist humans, there is an opportunity for AI to assist in underwriting processes. This should help us make decisions better, faster, smarter, more efficient. This ultimately lets us serve clients more effectively.