Insurance built for how AI companies actually get sued
89% of organizations now report regular AI use in at least one business function. Standard tech E&O was not written with AI outputs, training data, or model behavior in mind. This program was.
Built for AI-specific underwriting.
What insurance does an AI company need?
An AI company typically needs tech E&O for claims that model output or decisions caused financial harm, cyber liability for training data and infrastructure, D&O for leadership, EPL, and IP/media liability for training-data and output disputes. Many standard policies exclude or limit AI claims, so the coverage has to be written for AI. Alton Risk places these programs.
How fast AI liability exposure is growing
Adoption is outpacing the insurance most AI companies are actually carrying.
Of organizations now report regular use of AI in at least one business function.
McKinsey, Aug 2026
Say AI is scaling enterprise-wide, up from 38% a year earlier.
McKinsey, Aug 2026
Growth in generative-AI-related lawsuits in the U.S. from 2021 to 2025, with filing growth accelerating to 137% in 2024 to 2025 alone.
Gallagher Re, via Risk & Insurance, Mar 2026
Sources: McKinsey, The State of AI in 2025 · Risk & Insurance, AI liability claims surge (Gallagher Re).
A bindable quote in three steps
Built for how AI actually shows up in your product, whether you build models or just ship AI features.
Tell us how you use AI in your product: built models, fine-tuned ones, or shipped AI features on top of someone else's.
Select E&O, cyber, and D&O limits sized to that exposure.
Get a bindable quote the same week.
Get a quote sized to your AI exposure
Coverage built for AI-specific claims
Five lines addressing the model-output, IP, and data exposure standard tech policies were never written for, placed with specialist AI markets.
Tech E&O
Claims that your AI product's output or decision caused a customer financial harm, the most common AI company claim.
Cyber Liability
Data breach and network security coverage, often sized higher for AI companies processing large training datasets.
D&O
Leadership coverage, typically required before closing a priced round.
EPL
Employment-practices coverage as your team scales.
IP/Media Liability
IP disputes over training data or model outputs, the second most common AI company claim after output-driven financial harm.
Common questions from AI companies
Does regular tech E&O cover AI-related claims?
Not always. Many standard policies exclude or limit claims arising from AI model outputs, even as generative-AI-related lawsuits have grown 978% since 2021.
What is the most common AI company claim?
A customer alleging financial harm from a model's output or decision, followed by IP disputes over training data.
Do I need this if I just use AI APIs and do not build models?
Yes. Companies that build on top of third-party AI models still carry liability for how it is used in their product.
Is this different from a policy for a company that trains models?
Yes. If you train or fine-tune your own proprietary models rather than building on top of someone else's, see our dedicated program for model builders at insureaimodels.com.
What does AI company insurance typically include?
A typical program combines tech E&O, cyber liability, D&O, EPL and IP/media liability, with limits sized to model, data and customer exposure.
Who places AI company insurance at Alton Risk?
Alton Risk is a commercial insurance brokerage founded in 2026 by former carrier-side underwriters. It places tech E&O, cyber and leadership coverage for AI companies with specialist markets.
Built by operators, not outsiders
Alton Risk Insurance Services is a commercial insurance brokerage for companies building the future. It was founded in 2026 by Sophia Zaller, and the carrier-side underwriting experience behind our placements is the reason we know what a market will and will not accept. Technology speeds up our work, and the judgment comes from people who have priced and placed these risks.
Also serving early-stage AI startups, model builders, and a plain-language coverage guide at insureaistartups.com, insureaimodels.com and aicompanyinsurance.com.
Tell us how AI fits into your product
It takes about a minute, and a broker follows up by email with quote options.