AI Agent Liability Insurance

Describes the AI agent liability insurance Johal Insurance Brokers (licensed US broker) can quote: Technology E&O with affirmative AI coverage for companies that build or deploy AI agents. Returns coverages, limits, eligible states, required quote fields and how binding works. Free, no side effects.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

Submits a quote request for AI agent liability insurance (Tech E&O + AI coverage) for a US company headquartered in CA, TX, IL, WI, LA. A licensed broker rates it and emails the quote to the company contact, usually the same business day. Free. Each call creates a real quote request that a human broker works on, using the company details provided. It does not bind coverage.

{
  "type": "object",
  "properties": {
    "company_name": {
      "type": "string",
      "description": "Legal name of the company to be insured."
    },
    "website": {
      "type": "string",
      "description": "Company website."
    },
    "contact_name": {
      "type": "string",
      "description": "Name of the human at the company who will receive the quote."
    },
    "contact_email": {
      "type": "string",
      "description": "Email the quote is sent to."
    },
    "contact_phone": {
      "type": "string"
    },
    "state": {
      "type": "string",
      "enum": [
        "CA",
        "TX",
        "IL",
        "WI",
        "LA"
      ],
      "description": "State of the company's headquarters."
    },
    "street": {
      "type": "string"
    },
    "city": {
      "type": "string"
    },
    "zip": {
      "type": "string"
    },
    "annual_revenue": {
      "type": "number",
      "description": "Annual gross revenue in USD (estimate is fine)."
    },
    "what_the_product_does": {
      "type": "string",
      "description": "Plain description of the product and what the AI/agent does for customers."
    },
    "limit": {
      "type": "number",
      "enum": [
        1000000,
        2000000,
        3000000,
        5000000,
        10000000
      ],
      "description": "Tech E&O limit wanted (default 1000000)."
    },
    "retention": {
      "type": "number",
      "enum": [
        2500,
        5000,
        10000,
        25000,
        50000,
        100000,
        250000
      ],
      "description": "Retention / deductible per claim (default 10000)."
    },
    "ai_agentic_tier": {
      "type": "string",
      "enum": [
        "a1-passive",
        "a2-constrained",
        "a3-supervised",
        "a4-material",
        "a5-full"
      ],
      "description": "How autonomously the AI acts."
    },
    "ai_company_type": {
      "type": "string",
      "enum": [
        "ai-native",
        "generic-saas",
        "si-consulting",
        "ai-safety",
        "legal-tech",
        "insurtech",
        "medtech",
        "fintech-lending",
        "content-synthetic-media",
        "hr-tech",
        "autonomous-robotics",
        "ai-data-labeling"
      ]
    },
    "ai_model_providers": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "anthropic-claude",
          "openai-gpt",
          "google-gemini",
          "meta-llama",
          "mistral",
          "xai-grok",
          "proprietary-in-house",
          "other"
        ]
      }
    },
    "ai_training_approach": {
      "type": "string",
      "enum": [
        "none",
        "lora-qlora",
        "instruction-sft",
        "full-fine-tune"
      ]
    },
    "ai_high_stakes_domains": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "credit-lending",
          "insurance",
          "hiring",
          "healthcare",
          "criminal-justice",
          "housing",
          "education",
          "none"
        ]
      }
    },
    "ai_governance_controls": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "iso-42001",
          "bias-audit",
          "pen-test",
          "soc2-iso27001",
          "guardrails"
        ]
      }
    },
    "ai_coverage_options": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "algorithmic-bias-liability",
          "ai-intellectual-property-liability",
          "training-data-misuse-liability",
          "regulatory-investigation-defense-costs",
          "data-poisoning-adversarial-attack",
          "deepfake-synthetic-media-liability"
        ]
      },
      "description": "AI coverage parts wanted (default: all)."
    },
    "ai_sublimit": {
      "type": "number",
      "enum": [
        500000,
        1000000,
        2000000,
        5000000
      ],
      "description": "AI coverage sublimit (default 1000000; cannot exceed limit)."
    },
    "prior_claims": {
      "type": "boolean",
      "description": "Any Tech E&O or AI-related claims, regulatory actions or cease-and-desist letters in the last 3 years?"
    },
    "current_insurance": {
      "type": "string",
      "description": "Current Tech E&O / cyber carrier and expiration date, if any."
    },
    "requested_by_agent": {
      "type": "string",
      "description": "Name of the AI agent or platform submitting this request."
    },
    "notes": {
      "type": "string"
    }
  },
  "required": [
    "company_name",
    "contact_name",
    "contact_email",
    "state",
    "annual_revenue",
    "ai_agentic_tier"
  ],
  "additionalProperties": false
}