AI agent insurance underwriting is how carriers price the risk of autonomous software. As AI agents 2026 adoption grows, insurers ask about permissions, data access, and approval workflows. This 20-question quiz shows what underwriters ask.
AI agents 2026 deployments face a new gatekeeper: the cyber insurance underwriter. Carriers now ask about agent permissions, data access, prompt-injection defenses, and human approval workflows before quoting a policy. If your agents can move money, delete data, or message customers without approval, expect exclusions or denied coverage. This 20-question quiz mirrors the real underwriter questionnaire.
AI agent insurance underwriting is the process where cyber insurers assess the risks of your AI agents — what they can access, what actions they take autonomously, and what controls limit them — before deciding coverage and price.
AI agent insurance is here — and underwriters don't grade on vibes. Twenty questions across the five categories carriers actually probe: governance, safety controls, data handling, incident history, monitoring. Answer like the application is a warranty — because it is.
Short answer: the underwriting questions are the same ones a good E&O carrier always asked — what controls do you have, how do you review output, what's your track record, what's the scope of exposure? — now aimed at your agents. Score yourself before a carrier does.
This quiz is a readiness self-check, not a quote or a coverage promise. It will not get you insured — it will tell you what an underwriter would flag before you apply.
Be honest. The underwriter will verify.
Then retake the quiz. Every red answer above is a line an underwriter will circle.
Emerging AI agent products cover professional-liability-style losses: an agent makes a mistake a human would have been covered for under your errors-and-omissions policy — wrong data in a client deliverable, a misquoted scope, confidential data surfaced to the wrong party. They generally do not cover a rogue agent causing physical harm. Coverage terms vary by carrier and policy, so read the actual wording.
Reported in January 2026: Armilla AI raised Lloyd's-backed AI coverage to $25 million as traditional carriers narrowed their AI coverage. Carriers are still pricing a new, fast-moving risk with limited loss history — so specialist capacity is growing while some traditional lines pull back.
Verisk/ISO made AI-related exclusion forms — CG 40 47, CG 40 48, and CG 35 08 — available effective January 1, 2026. Carriers adopt them individually, so a general-liability policy may now exclude AI-related losses unless endorsed back in. Ask your broker to confirm per line, in writing.
Insurers are starting to ask about any business AI use — processing customer data with AI, training data practices, vendor due diligence, and human oversight of AI output. Even off-the-shelf tools can raise questions about data handling and output review. This quiz's data-handling and governance sections apply whether you build agents or buy them.
No. This is a readiness self-check, not a quote, an application, or a promise of coverage. There is no standard question set — every carrier writes its own application and AI supplement. Use your score to fix the gaps, then talk to a broker who places AI and technology E&O risk.
Emerging AI agent products cover professional-liability-style losses: an agent makes a mistake a human would have been covered for under your errors-and-omissions policy — wrong data in a client deliverable, a misquoted scope, confidential data surfaced to the wrong party. They generally do not cover a rogue agent causing physical harm. Coverage terms vary by carrier and policy, so read the actual wording.
Reported in January 2026: Armilla AI raised Lloyd's-backed AI coverage to $25 million as traditional carriers narrowed their AI coverage. Carriers are still pricing a new, fast-moving risk with limited loss history — so specialist capacity is growing while some traditional lines pull back.
Verisk/ISO made AI-related exclusion forms — CG 40 47, CG 40 48, and CG 35 08 — available effective January 1, 2026. Carriers adopt them individually, so a general-liability policy may now exclude AI-related losses unless endorsed back in. Ask your broker to confirm per line, in writing.
Insurers are starting to ask about any business AI use — processing customer data with AI, training data practices, vendor due diligence, and human oversight of AI output. Even off-the-shelf tools can raise questions about data handling and output review. This quiz's data-handling and governance sections apply whether you build agents or buy them.
No. This is a readiness self-check, not a quote, an application, or a promise of coverage. There is no standard question set — every carrier writes its own application and AI supplement. Use your score to fix the gaps, then talk to a broker who places AI and technology E&O risk.
De-risk your agents before you insure them: