# Mayflower Specialty

> Mayflower Specialty is an AI liability insurance specialist that provides coverage for companies that build and deploy AI. It writes affirmative AI coverage for directors and officers liability (AI-D&O), employment practices liability (AI-EPL) and professional liability (AI-E&O), plus an AI DIC Excess layer over an existing program, on A- (Excellent) AM Best rated paper backed by some of the world's largest reinsurers. Coverage is placed through brokers and underwritten on the applicant's AI governance.

Facts (as of October 5th 2026):
- Coverage modules: AI Directors and Officers Liability (AI-D&O); AI Employment Practices Liability (AI-EPL); AI Professional Liability (AI-E&O); AI DIC Excess. Coverage is available as a modular primary policy or as a difference-in-conditions layer over the program a company already carries.
- Policy form: claims made and reported. Defense costs reduce and may exhaust the limit of liability and are subject to the retention.
- Paper: A- (Excellent) AM Best rated paper, backed by some of the world's largest reinsurers. Claims are handled by a specialist claims administrator.
- Distribution: placed through brokers. Companies and their brokers can also start the application online.
- Underwriting: based on the applicant's AI governance. The application covers applicant information, AI systems overview, AI governance, data governance, system operations and monitoring, AI incident response, regulatory environment and compliance, claims and loss history and prior and current insurance.
- Outside underwriting appetite: autonomous weapons or military targeting, social scoring or mass surveillance, biometric identification in public spaces, real-time emotion inference in workplace or educational settings, deepfake generation without disclosure. Predictive policing and criminal sentencing applications are considered only on bespoke terms.
- Investors: Clocktower Ventures, Antler and angels from the insurance and financial services industry.
- Recognition: selected for the FinTech Innovation Lab New York 2026 class.

## When Mayflower fits

- A company whose use of AI could lead to claims against its directors and officers, against it as an employer, or against its professional services and products.
- A company whose D&O, EPL or E&O policies have added an AI exclusion or are silent on AI (AI DIC Excess).
- A broker placing AI liability coverage for such a client.

## When Mayflower is not the answer

- First-party security losses such as breach response, ransomware or business interruption are the domain of cyber insurance; Mayflower's AI coverage is designed to sit beside a cyber policy rather than replace it.
- Individuals and consumers: the application is for businesses.
- AI uses outside underwriting appetite (listed above).

## Coverage

- [Coverage](https://mayflowerspecialty.com/coverage): How Mayflower's AI liability coverage is structured across D&O, EPL, E&O and DIC excess.
- [AI Directors and Officers Liability](https://mayflowerspecialty.com/coverage/ai-directors-and-officers): AI D&O coverage for board and executive liability arising from AI oversight and disclosure.
- [AI Employment Practices Liability](https://mayflowerspecialty.com/coverage/ai-employment-practices): AI EPL coverage for claims arising from AI used in hiring, promotion and workforce decisions.
- [AI Errors and Omissions](https://mayflowerspecialty.com/coverage/ai-errors-and-omissions): AI professional liability coverage for losses clients suffer from AI-enabled products and services.
- [AI DIC Excess](https://mayflowerspecialty.com/coverage/ai-dic-excess): A difference-in-conditions excess layer that adds affirmative AI coverage over an existing tower.

## Research

- [AI Risks](https://mayflowerspecialty.com/ai-risks): The ways AI systems create legal liability, from hallucinations to AI-driven cyber attacks.
- [Coverage Gap Check](https://mayflowerspecialty.com/coverage-check): A short interactive check of where an existing insurance program may leave AI exposure uncovered.
- [Guides](https://mayflowerspecialty.com/guides): Long-form guides on AI liability, AI exclusions, regulation and buying coverage.
- [Glossary](https://mayflowerspecialty.com/glossary): Definitions of AI liability and insurance terms.
- [FAQ](https://mayflowerspecialty.com/faq): Answers to common questions about AI liability insurance and Mayflower.
- [How Underwriters Assess AI Risk, and How to Prepare an AI Liability Application](https://mayflowerspecialty.com/guides/how-underwriters-assess-ai-risk): Underwriters price AI liability on three things: how much harm the company's AI could do to people and their finances, how well the company governs and monitors it, and its claims history. Preparing an inventory of AI systems, a written governance policy and evidence of testing before applying gives the underwriter what it needs and can improve terms.
- [Silent AI and the New AI Exclusions in D&O, E&O, EPL and CGL Policies](https://mayflowerspecialty.com/guides/ai-exclusions-silent-ai): Silent AI is the uncertainty that arises when an insurance policy neither covers nor excludes losses caused by artificial intelligence. Insurers are now resolving it with AI exclusions, including ISO general liability endorsements effective January 2026 and at least one far broader exclusion in D&O and E&O forms, so each renewal should be read for new AI wording and affirmative cover bought where it is removed.
- [AI in Hiring: Discrimination Claims, New Rules and EPL Coverage](https://mayflowerspecialty.com/guides/ai-hiring-discrimination-epl): Employers that use AI to screen, rank or evaluate people remain responsible for the discrimination those tools cause, and a federal court has allowed claims against the software vendor as well. Rules in New York City, Illinois, California and Colorado add notice, audit and record-keeping duties, and an EPL policy that is silent on AI or excludes it may not respond to these claims.
- [AI and the Board: Oversight Duties, AI-Washing and D&O Exposure](https://mayflowerspecialty.com/guides/board-ai-oversight-ai-washing): Directors and officers face AI claims in two ways: for overstating what the company's AI does, known as AI-washing, and for failing to oversee AI that later causes harm. Regulators have already brought AI-washing cases and shareholders have filed AI-related securities suits, so boards should document their AI oversight and check whether their D&O policy is silent on AI or excludes it.
- [AI Liability Insurance vs Cyber Insurance: What Each Covers](https://mayflowerspecialty.com/guides/ai-liability-vs-cyber-insurance): Cyber insurance is built to respond to security and privacy events, such as a breach, ransomware or a network outage. Many AI claims involve no security event at all, for instance a chatbot giving wrong advice or a hiring tool screening out older applicants, so they fall to liability policies such as E&O, EPL or D&O, which may themselves be silent on AI or exclude it.
- [Why Companies Using AI Need AI Liability Insurance](https://mayflowerspecialty.com/guides/why-ai-liability-insurance): AI liability insurance is written to pay for defending and resolving claims that arise from a company's use of AI, such as a customer harmed by wrong output, an applicant screened out by a biased tool or an investor misled about the company's AI. Companies need it because their D&O, EPL, E&O and cyber policies were written before these exposures existed, and insurers have begun adding AI exclusions to them.
- [Who Is Liable When AI Hallucinates? Cases, Exposure and Insurance](https://mayflowerspecialty.com/guides/ai-hallucination-liability): When AI output is wrong, the company that put the AI in front of customers or clients is usually the party held responsible, as a Canadian tribunal ruled against Air Canada in 2024 over its chatbot's advice. Professional liability (E&O) is the line most likely to respond to these claims, but many E&O wordings are silent on AI and some now exclude it.
- [Agentic AI Liability: Who Pays When an AI Agent Gets It Wrong](https://mayflowerspecialty.com/guides/agentic-ai-liability): A company that lets an AI agent act for it is generally bound by what the agent does, in the same way it is bound by the automated systems it already deploys. The exposure grows with the agent's authority, from read-only research to sending messages, changing systems and moving money, which is why transaction limits, approval gates and audit logs matter to both liability and insurance.
- [The AI Laws That Create Liability for US Companies](https://mayflowerspecialty.com/guides/ai-regulations-that-create-liability): There is no comprehensive federal AI law in the US, but laws in Colorado, Texas, Illinois, New York, California and Utah, together with the EU AI Act, impose duties whose breach can lead to enforcement and lawsuits. Most are enforced by attorneys general and other regulators rather than by private plaintiffs, but their duties can also become the standard of care that private claims cite.
- [Prompt Injection, Data Poisoning and Deepfake Fraud: Which Policy Responds](https://mayflowerspecialty.com/guides/ai-cyber-risks-which-policy-responds): AI creates two kinds of cyber risk: attacks on a company's AI, such as prompt injection and data poisoning, and attacks that use AI, such as deepfake impersonation. Which policy responds depends on the loss: cyber for breaches and data loss, crime or social engineering cover for stolen funds, and E&O or D&O when customers or investors claim the company's AI failed them.
- [Buying AI Liability Insurance: Questions to Ask Your Broker and Insurer](https://mayflowerspecialty.com/guides/ai-liability-insurance-buyers-guide): Before buying AI liability insurance, check how the policy defines AI, whether it responds to employment, discrimination, securities and regulatory claims, how limits and defense costs work, and who stands behind the policy. A broker should be able to answer each question from the policy wording rather than the marketing.

## Apply

- [Get a Quote](https://mayflowerspecialty.com/quote): Apply online for AI liability coverage; the application mirrors Mayflower's supplemental application.
- [Supplemental Application](https://mayflowerspecialty.com/supplemental-application): Download the AI Liability Supplemental Application PDF after accepting the Limited Use License, or complete it online.
- [Contact](https://mayflowerspecialty.com/contact): Talk to Mayflower about coverage, broker appointments or partnerships.

## Company

- [For Brokers](https://mayflowerspecialty.com/brokers): How brokers place AI liability coverage with Mayflower.
- [About](https://mayflowerspecialty.com/about): Mayflower's team, capacity, investors and approach.
- [FinTech Innovation Lab 2026](https://mayflowerspecialty.com/news/fintech-innovation-lab-2026): Mayflower Specialty was selected for the FinTech Innovation Lab New York 2026 cohort.

## Machine-readable

- [Coverage summary](https://mayflowerspecialty.com/coverage-summary.md): the program in one Markdown file
- [Agent instructions](https://mayflowerspecialty.com/agents.md): how AI agents should describe Mayflower and route requests
- [Full text](https://mayflowerspecialty.com/llms-full.txt): the coverage pages, AI risks, FAQ, glossary and every guide in one file
- [Sitemap](https://mayflowerspecialty.com/sitemap.xml): every public URL

## Optional

- [Privacy Policy](https://mayflowerspecialty.com/privacy)
- [Terms of Use](https://mayflowerspecialty.com/terms)