Coverage for What Your Policies Exclude
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.
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
Copyright claims from AI-generated content, plus legal defence for PIPEDA and provincial privacy actions.
Tiered for Your AI Posture
Pricing reflects how deeply AI is embedded in your operations. More AI usage means more exposure — and more coverage.
Incidental AI Use
ChatGPT, Copilot, Gemini for productivity
- $1M limit
- Algorithmic underwriting
- Instant quote
- AI governance attestation
Tier 2 — Integrated
Operational AI: workflows, customer service, data analysis
- $1M–$5M limits
- Algorithmic underwriting
- Human-in-the-loop required
- AI inventory & acceptable use policy
Autonomous AI Systems
Custom agents, autonomous decisions, AI products
- $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 wrap. It sits above your existing GL, cyber, or E&O policies and covers the AI-specific gaps. Most businesses pair it with CyberAgency Essential for full protection.
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.