What does AI Shield cover that my existing policy doesn't?

AI Shield covers AI-specific liabilities that standard GL, cyber, and E&O policies exclude: hallucination damages, algorithmic bias claims, autonomous agent errors, generative AI copyright issues, and AI governance failures. It sits as a DIC (Difference in Conditions) or excess layer above your existing coverage.

Do I need AI Shield if I only use ChatGPT or Copilot?

Yes. Any business using AI tools — even consumer-grade tools like ChatGPT, Microsoft Copilot, or Google Gemini — faces liability if AI outputs cause harm. Standard policies increasingly include AI exclusions. AI Shield closes that gap.

How is AI Shield priced?

AI Shield uses tiered pricing based on your AI posture. Tier 1 (Basic — incidental use) starts at ~$2,500/year. Tier 2 (Integrated — operational AI use) ranges $5,000-$15,000/year. Tier 3 (Agentic — autonomous AI systems) requires manual underwriting and ranges $15,000-$50,000/year.

What's the difference between AI Shield and CyberAgency Essential?

AI Shield stacks on CyberAgency Essential or CyberAgency Professional. Essential covers core cyber for businesses that use technology. Professional adds tech E&O and professional liability for service firms. AI Shield covers AI-specific risks on top of either product.

What does AI insurance cover?

AI Shield covers data breaches from AI tools, AI hallucination liability, algorithmic bias claims, and gaps from AI exclusions in traditional policies. It acts as a DIC (Difference in Conditions) or excess layer above your existing coverage.

Is AI liability insurance available in Canada?

Yes. CyberAgency's AI Shield is designed specifically for Canadian businesses subject to PIPEDA and provincial privacy legislation. It addresses AI risks that standard GL, cyber, and E&O policies typically exclude.

How much does AI insurance cost?

AI Shield pricing is based on your risk profile. Use CyberAgency's free Gap Analyzer to get a personalized risk assessment and coverage recommendation — it takes under 5 minutes and runs entirely in your browser.

Coverage for What Your Policies Exclude

Name: CyberAgency AI Shield
Brand: CyberAgency

AI Shield is a DIC/excess wrap for Canadian SMEs using AI. It covers hallucinations, bias claims, autonomous agent errors, and generative IP liabilities — the gaps your GL, E&O, and cyber policies are quietly adding exclusions for.

Start Free Assessment Check Your Policy Gap

Quick answer

What is AI Shield?

AI Shield is CyberAgency's Canadian AI liability coverage layer for SMEs using generative AI, copilots, or autonomous agents. It is designed to respond where traditional GL, E&O, D&O, and cyber policies may exclude or ambiguously treat AI hallucinations, algorithmic bias, autonomous agent errors, generative IP claims, and AI governance failures.

The Gap Is Real — And Growing

AIG, Great American, Chubb, and others are adding AI exclusions to GL, D&O, and E&O policies via ISO forms CG 40 47 and CG 40 48. If your business uses AI tools, you may already be uninsured for AI-related claims.

Hallucination Liability

AI produces incorrect outputs that cause financial loss. Your E&O likely won't cover it.

Algorithmic Bias

AI-driven hiring, lending, or pricing decisions trigger discrimination claims with no coverage.

Autonomous Agent Errors

AI agents make unauthorized transactions. Standard policies exclude "autonomous acts."

Generative IP Exposure

AI-generated content infringes copyrights. Traditional IP policies don't anticipate this.

What AI Shield Covers

AI Shield sits above your existing policies as a DIC or excess layer, filling the specific gaps created by AI exclusions.

AI Hallucination Damages

Third-party losses from incorrect AI outputs — financial advice, recommendations, analysis.

Algorithmic Liability

Claims from biased AI decision-making in hiring, pricing, or service delivery.

Autonomous Agent Coverage

Liability from unauthorized transactions or decisions by AI agents acting on your behalf.

Generative IP + Regulatory Defence

Tiered for Your AI Posture

Pricing reflects how deeply AI is embedded in your operations. More AI usage means more exposure — and more coverage.

Tier 1 — Basic

Incidental AI Use

ChatGPT, Copilot, Gemini for productivity

~$2,500/year

$1M limit
Algorithmic underwriting
Instant quote
AI governance attestation

Get Started

Tier 2 — Integrated

Operational AI: workflows, customer service, data analysis

$5K–$15K/year

$1M–$5M limits
Algorithmic underwriting
Human-in-the-loop required
AI inventory & acceptable use policy

Get Started

Tier 3 — Agentic

Autonomous AI Systems

Custom agents, autonomous decisions, AI products

$15K–$50K/year

$5M+ limits
Manual underwriting
Full governance framework
Annual AI risk assessment

FAQ

Is AI Shield standalone or do I need other coverage?

AI Shield is a DIC/excess overlay. It stacks on CyberAgency Essential or CyberAgency Professional, covering the AI-specific gaps above your base cyber policy. For businesses providing tech or professional services, start with Professional, then add AI Shield.

What if I only use ChatGPT occasionally?

Even incidental AI use creates liability. If ChatGPT produces a recommendation that causes a client loss, your E&O may deny the claim due to AI exclusions. Tier 1 starts at ~$2,500/year.

What governance is required?

Tier 1 requires an AI acceptable use policy. Tier 2 adds human-in-the-loop processes and AI tool inventory. Tier 3 requires a full governance framework with annual risk assessments. We provide templates.

Is AI Shield available outside Canada?

Currently designed for Canadian businesses. We're evaluating expansion. Contact us for multi-national needs.

Close Your AI Coverage Gap

Your existing policies are adding AI exclusions. Don't wait for a claim to find out you're not covered.

Start Free Assessment → Analyze Your Policy

AI Shield is a product concept from CyberAgency. Coverage terms, conditions, and availability subject to underwriting approval and carrier capacity. This page does not constitute an insurance quote or binding offer.