Underwriting · Cyber · Tech E&O · Lloyd's syndicates

The evidence your
cyber underwriter
is already asking for.

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.

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Renewal submission pack Incident claim pack RFC 3161 notarised Broker-ready format
The shift

AI risk is on the policy now.

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."

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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.

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New submission questions

Major syndicate submissions now include AI-specific questions: which models in production, governance framework, incident response procedure, and audit logging methodology.

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Claims defensibility

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 pack

What the insurance pack contains.

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.

FAQCyber renewal · underwriter questions

Frequently asked, by brokers and risk managers.

What questions are AI underwriters actually asking?

Composite questions across Lloyd's specialty cyber and Tech E&O submissions in 2025–2026: which agents you run, what classification of data they touch, how you log and retain action records, whether the logs are tamper-evident, and how you would prove an incident timeline after the fact. Our renewal guide walks through what counts as a defensible answer to each.

Will having Agent Audit installed reduce my premium?

It demonstrably affects loadings. Underwriters price AI exposure by assessing whether your control environment can produce contemporaneous, tamper-evident evidence of agent behaviour. A working audit trail with regulator-recognised pack formats is treated favourably by every Lloyd's syndicate we have spoken to.

What happens if I actually need to make a claim?

The Insurance Claim pack bundles incident timeline, affected receipts, integrity proof, RFC 3161 notarisation tokens, redacted inputs and outputs, and per-action attribution into a single signed artefact brokers and loss adjusters can submit alongside the claim notification.

Which brokers do you work with?

We're broker-agnostic. The pack is portable JSON + PDF — your broker can submit it alongside your renewal questionnaire regardless of which house they sit in. No broker-specific lock-in, no integration required on their side.

Is there cover available specifically for AI agent failure?

The market is emerging. Tech E&O and specialty cyber markets are starting to address AI-specific exposures, and underwriters are asking how you would evidence agent behaviour after an incident. Tamper-evident logging is increasingly a prerequisite for the AI-related questions in submission questionnaires.

Submit a stronger renewal.

Hand your broker the AI risk evidence underwriters are starting to ask for. The pack is portable, signed, and ready to drop into your renewal submission.

Start free → Read the renewal guide