Premium impact
Specialty brokers report 5–15% premium loadings on policies where AI agent exposure is undocumented, and full exclusions where the insured cannot evidence operational logging.
Lloyd's syndicates are pricing AI exposure into cyber and Tech E&O policies. The submission that shows working AI agent logging — with a verifiable hash chain and a regulator-recognised pack format — meaningfully changes underwriter loadings.
Following Air Canada's chatbot ruling and the wave of incident disclosures through 2025, the cyber and E&O markets at Lloyd's have moved from "no specific AI exclusion" to "show your AI logging methodology at submission."
Specialty brokers report 5–15% premium loadings on policies where AI agent exposure is undocumented, and full exclusions where the insured cannot evidence operational logging.
Major syndicate submissions now include AI-specific questions: which models in production, governance framework, incident response procedure, and audit logging methodology.
When a claim is made under a cyber or E&O policy involving an AI-driven service, the insurer's investigators will request a reconstruction of the relevant agent actions. Without tamper-evident logs, the claim is harder to defend.
The Agent Audit insurance evidence pack is purpose-built for submission at renewal or for claim support. It demonstrates the controls underwriters want to see, in the format they're used to receiving.
We work with your broker — Lockton, Marsh, Howden or your specialist — to produce the AI risk evidence underwriters now expect.
Start free about your renewal