AI & machine learning insurance

With tailored covers and an insurance-backed performance guarantee, we protect businesses operating at the cutting-edge of AI.

What we offer AI companies

Professional indemnity and tech liability

However strong your products or services are, there can always be unwanted surprises. This cover protects your business from a range of exposures, such as mistakes in your service provided, compensation claims, contract disputes and intellectual property disputes.

Directors’ and officers’ insurance

D&O insurance protects directors and officers from allegations of mismanagement, providing protection against legal action, fines, penalties, and disqualifications from being a director. This cover is often seen as essential by investors for startups seeking funding.

Cyber insurance

We offer AI businesses both first and third-party cyber insurance which can protect you if you are the victim of a ransomware event, data breach, hacking attack or the actions of a malicious employee.

Cyber insurance also enables businesses to protect their data and intellectual property, to maintain system uptime, and to safeguard against business interruption.

Plus, with Superscript's cyber cover, you'll have 24/7 access to an industry-leading breach response service, with legal and computer security experts as well as PR and brand crisis management.

aiSure – AI performance guarantee

A unique insurance-backed performance guarantee product, aiSure, underwritten by Munich Re, is designed to financially guarantee your AI algorithm efficacy against agreed KPIs.

Should your AI systems fall below the agreed standards of efficacy, we can pay out to your clients for their resulting financial losses.

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Cover for a range of AI businesses

Superscript can broker policies that include the right cover for businesses operating across the spectrum of the AI sector, including a number of cutting-edge specialisms:

  • Machine Learning
  • Computer vision
  • Deep learning
  • Generative AI
  • Natural Language Processing
  • Robotics

Artificial intelligence insurance FAQs

Who is liable when AI goes wrong?

This can be a complex issue. The first question we need to resolve is who (if any) controls the AI system? Prior to being covered, agreements need to be reached on definitions of responsibility the scope of liability in cases where harm is done by AI tools.

Are AI businesses required to have insurance?

In general, most insurance is not a legal requirement for AI businesses, with the exception of employers' liability insurance which is mandatory for most UK businesses with employees.

However, in specialist, cutting-edge industries like AI and machine learning, many clients and investors will require that a business holds sufficient insurance as a contractual obligation.

What insurance does my AI business need?

The types of cover that your AI business will need will depend largely on the specifics of your business activity, as well as other factors, including company structure, turnover, employee count and more.

Some of the main covers that are often important for AI businesses include professional indemnity (PI), cyber, directors' and officers', commercial combined insurance and aiSure, the revolutionary new performance-guarantee from Munich Re.

Can I extend my cover to the US?

Yes, we require a little more information to get your US subsidiary covered. This normally just extends to knowing the percentage of your revenue that comes from the USA.

What affects the costs of an insurance premium for AI businesses?

The amount a business in the AI and machine learning space might need to pay for their insurance premium will depend on a number of different factors. These include the business' stage of growth, their target market, their specific product offering, revenue levels, employee headcount, funding and much more.

What’s the difference between ‘insurance’ and ‘performance guarantee’?

The performance guarantee is based on the premise of providing financial compensation in the event that your AI technology fails to meet important pre-determined performance KPIs for your client. Traditional insurance products such as professional indemnity are restricted to covering financial losses, rather than targeting the performance KPIs that matter to your clients.

How is aiSure's algorithmic efficacy benchmark calculated?

aiSure's performance guarantee relies on the insurer and client agreeing on pre-determined performance KPIs that set a benchmark for the efficacy of their AI technology. They are agreed upon after an evaluation of a set of pre-delivered questions, completed by the client business, as well as a series of approximately three calls between the insurer and the AI provider's tech team.

Is cyber insurance mandatory for technology companies?

Cyber insurance is not mandatory, but we highly recommend it if your company processes or holds a lot of sensitive data, or relies on network or system uptime. Cyber insurance protects this data and your business against the financial, legal and reputational impacts of a data breach, system downtime, cybercrime or ransomware attack.

Want to learn more about the future of AI?

Watch Superscript’s Head of Digital Assets, Ben Davis’ talk at the AI Summit London during London Tech Week 2023. In this video, he argues that building AI solutions utilising web3 tools and principles will enable us to realise the incredible potential for it to completely change our world for the better. Watch it here.

Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at or by calling the FCA on 0845 606 1234.

Protected by the FSCS

If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at

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