Dedicated AI liability insurance.

AI liability insurance covers claims that arise when a company's use of artificial intelligence harms someone, such as a customer misled by a chatbot, a job applicant screened out by an automated tool or shareholders who say the company overstated its AI. Mayflower Specialty writes it as affirmative AI coverage for directors and officers, employment practices and professional liability, plus an AI DIC Excess layer over an existing program.

An existing D&O, EPL or E&O policy may respond to an AI claim, but policies written before generative AI are often silent on it, and some insurers now add AI exclusions at renewal. Whether a policy responds depends on its wording and the facts of the claim, so it is a good idea to have your broker review the AI language in each policy well before your next renewal.

Mayflower Specialty is for companies that build or deploy AI and could face AI claims against their directors and officers, against them as employers or over the products and services they deliver to clients. It also suits companies whose D&O, EPL or E&O policies now exclude AI or are silent on it, and the brokers and partners who offer coverage to them.

Mayflower is not the right fit for first-party security losses such as breach response or ransomware, which belong in a cyber policy. The application is for businesses rather than individuals, and some uses of AI are outside underwriting appetite, including autonomous weapons or military targeting, social scoring or mass surveillance, biometric identification in public spaces, real-time emotion inference in workplace or educational settings and deepfake generation without disclosure.

Mayflower is the managing general agent, not the issuing insurer. Hadron Specialty Insurance Company, an issuing carrier for the program, has an AM Best Financial Strength Rating of A- (Excellent), affirmed August 13th 2026. For the latest rating, visit www.ambest.com. Supported by institutional reinsurance partners. The reinsurance placement was structured by Aon Reinsurance Solutions. Aon is a placement intermediary, not an insurer. The rating applies to the issuing company, not Mayflower; reinsurance does not itself give a policyholder direct recourse against a reinsurer.

No, a broker is not required: coverage can be bought directly from Mayflower, through a broker or embedded through partners that offer it alongside their own products. A company can start the online application itself, a broker can apply online for a client, and the application is also available as a PDF. Completing the application does not bind coverage, so the decision to buy stays with the company.