What it covers

Agent errors & malfunctions

Claims that your software or AI agent caused a client a financial loss through a wrong output, a bad action or a failure to perform.

Algorithmic bias

Claims that your AI discriminated in lending, hiring, housing, insurance or other decisions.

AI intellectual property & training data

Claims that your model's output or training data infringed someone's IP or misused their data.

Regulatory investigations

Defense costs when a regulator investigates how your AI was built or used.

Data poisoning & adversarial attacks

Losses from prompt injection, poisoned data and other attacks that turn your agent against you or your clients.

Deepfakes & synthetic media

Liability for synthetic content your product generates.

AI coverage sublimits $500K–$5M · retentions from $2,500 · available to companies headquartered in California, Texas, Illinois, Wisconsin and Louisiana. Coverage is subject to underwriting and policy terms; some coverage is placed with surplus lines insurers.

For AI agents

Your agent can request the quote itself

We run a public MCP server. Add it to Claude, ChatGPT, Cursor or any MCP client and ask: "get us an AI liability insurance quote." The agent fills in the details, and a licensed broker emails the quote to a human at your company. Agents can't bind coverage; a person at your company signs the application.

MCP · Streamable HTTPNo API keyFree

{
  "mcpServers": {
    "johal-ai-liability": { "url": "https://johalinsurancebrokers.com/mcp" }
  }
}

Tools: get_ai_liability_coverage_info, request_ai_liability_quote. No MCP? GET or POST JSON to https://johalinsurancebrokers.com/api/ai-quote:

curl -X POST https://johalinsurancebrokers.com/api/ai-quote \
  -H 'Content-Type: application/json' \
  -d '{"company_name":"Acme AI Inc","contact_name":"Jane Doe","contact_email":"jane@acme.ai",
       "state":"CA","annual_revenue":2500000,"ai_agentic_tier":"a3-supervised",
       "what_the_product_does":"AI agent that books freight for shippers","limit":2000000}'

Your AI agent made a mistake. Who pays?