Our AI shops the market. A licensed agent makes sure it fits.
We have access to 100+ carriers. Our AI reads the policy you already have, screens the carriers that write your kind of risk, and ranks the best fits. A licensed agent quotes them and checks every detail, so you get more protection for every dollar.
The first review is free. No obligation to switch.
What should we review?
Pick one, or send us every policy you have and we'll read them together.
Your home, your cars, and the umbrella over both.
Your commercial program, read as one program.
For businesses that use AI in their work.
Not sure? Send us everything.
Some gaps only show up when policies are read side by side. Upload them all and we'll review your whole program together.
Find out what your policy actually covers.
Send us what you have now and a licensed agent reads it properly — every page, not the summary. You get it in writing: what you're covered for, what you're not, and whether the price still matches the cover.
- Free, with no obligation to change anything.
- Every finding checked by a licensed agent before you see it.
- If your cover is right, we'll tell you that.
Looking for something else? We also write personal umbrella, workers comp and general liability.
Everything you need, from one independent agency.
Most people find us through our name and assume we only insure AI companies. We don't — we do it all. We're a full-service independent agency writing every major personal and commercial line. AI is how we work (shopping the market faster) and one thing we specialize in (insuring AI-driven businesses) — but it's not all we do.
Personal Lines
- Homeowners & Renters
- Auto
- Personal Umbrella
- Landlord & Dwelling
- Flood
Business Lines
- General Liability
- Workers Comp
- Commercial Auto
- Business Owners Policy (BOP)
- Professional Liability (E&O)
- Cyber & specialty
Not sure what you need? Start a quote or reach out — we'll figure out the right coverage together.
Get a Quote →Insuring AI-driven companies — and the coverage gaps everyone else missed.
Here's where our name comes from. Alongside our everyday full-service work, we're a genuine specialist in AI risk. That means two things: we place real coverage for AI-driven companies — Tech E&O, Cyber with AI endorsements, affirmative AI coverage — and we help any business check whether new AI exclusions have quietly stripped protection from policies they already hold. Both are covered below.
Your broker probably didn't tell you this happened.
On January 1, 2026, Verisk quietly released three endorsements (CG 40 47, CG 40 48, and CG 35 08) that let carriers carve AI claims out of general liability. Major carriers are attaching them at renewal. Most brokers haven't read the forms, and most policyholders don't know the forms are already on their policies.
AI Coverage Gap Audit
We review your entire commercial insurance portfolio (GL, E&O, D&O, Cyber, EPLI, and Products liability) to identify AI-related exclusions, sublimits, and endorsements that may have been added at your last renewal.
- Full AI usage inventory across your organization
- Policy-by-policy exclusion analysis with form numbers cited
- Risk scenario mapping for your specific industry
- Governance recommendations to improve your underwriting profile
AI Liability Solutions
We connect you with specialty markets that most brokers can't access, where licensed professionals can place affirmative AI coverage that fills the gaps traditional policies now exclude.
- Generative AI liability coverage
- AI-specific E&O and professional liability
- AI performance warranties for tech companies
- Supplemental D&O coverage for AI governance risk
Broker Partnership Program
We partner with P&C brokers who want to offer AI coverage audits to their existing clients without building the specialty expertise in-house. You keep the client relationship — we provide the AI-specific analysis and market access.
- White-label AI gap audit reports
- Specialty market placement
- Co-branded client presentations
- CE-eligible training on AI insurance exclusions
How it works
Four steps. Most take less time than you think.
Check My AI Coverage
Complete our 60-second online assessment to identify your AI exposure level and preliminary coverage gaps.
Coverage Review
Our team reviews your actual policy documents (endorsements, exclusions, and definitions) across all commercial lines.
Gap Analysis Report
You receive a detailed report showing every AI-related exclusion in your portfolio, mapped to your specific risk scenarios, with severity ratings.
Coverage Solutions
Licensed insurance professionals access specialty AI liability markets to fill identified gaps with affirmative coverage.
Every profession thinks its AI exposure is someone else's problem.
A lawyer, a doctor, a wealth manager, and a corporate director face different AI liability, and each one usually assumes someone in another seat is more exposed. Each of them is wrong, just in different ways. Tap any industry below to see how it plays out for you specifically.
Common questions and industry research.
The questions below come from the actual conversations happening around AI liability right now: in law firms, hospitals, advisory boards. Underneath them sit the original industry reports the answers draw on.
Common questions
Industry research
Gallagher Re, Deloitte, Munich Re, and Verisk have documented the same shift: cyber, E&O, and GL policies are carving AI out. The links below go to the original reports.
The January 2026 Exclusion Trigger
All summaries written by The AI Insurance Group based on publicly available sources. Last updated: May 2026.
There's a person behind the technology.
Sal Martorano founded The AI Insurance Group on a simple belief: insurance should be reviewed, not simply renewed year after year.
AI reads the policy. A licensed agent decides what it means. Every finding in a coverage review is checked by hand before it reaches you.
More about the agency →Don't Wait for a Denied Claim
to Find Out You're Exposed.
Your next renewal will answer this question. Find out the answer now.
Check My Coverage — Free →No obligation. No spam. Takes 60 seconds.
You're a licensed producer. You shouldn't need your own agency to write real business.
If you're a licensed insurance agent without your own agency, you're leaving money and markets on the table. Sub-produce under The AI Insurance Group and get the carrier access, technology, and back-end most solo agents can't build alone — while you keep your clients and your book.
Carrier access you can't get solo
Write across our 100+ markets from day one, no production commitments to unlock appointments.
AI-powered quoting tools
Use the same submissions and market-matching platform we built in-house to quote faster and place smarter.
Keep your book, skip the overhead
Your clients stay your clients. Skip the cost, licensing burden, and E&O headaches of standing up your own agency.
Competitive splits
Straightforward commission splits that reward the business you bring.
If you're licensed, producing, and tired of being capped by markets you can't reach — let's talk.
Let's talk about your coverage.
Whether you need a quick quote, run an AI-driven company that needs specialty coverage, want your current policies checked for AI gaps, or you're a licensed agent interested in producing with us — we're here to help.
Request a Coverage Review
Your information is confidential. We respond within 24 hours.
Insurance products offered through The AI Insurance Group.