Bali Specialty writes full cyber coverage for AI-native businesses — ransomware, breach response, business interruption, cybercrime — including the AI-driven exposures other markets are beginning to exclude.
Across the market, carriers are responding to AI risk the way they always respond to what they can't assess — with exclusions. For a company whose product runs on AI, an AI exclusion isn't a carve-out. It's a hole in the middle of the policy.
Insurers and reinsurers are introducing AI exclusions and restrictive endorsements across cyber and liability lines — often with language broad enough to reach any loss an AI system touched.
If your customer support, your product, or your operations run through models and agents, a silent policy — or a broadly-worded exclusion — leaves your largest attack surface uninsured.
We underwrite your security posture including the AI attack surface, and say in writing what's covered when an attack comes through it. No silence, no surprise at claim time.
Third-party claims arising from security failures, data breaches, and privacy violations.
Forensics, legal, notification, credit monitoring, and PR — coordinated from first call.
Extortion payments where lawful, negotiation, and recovery — with pre-agreed response partners.
Lost income and extra expense from security failures and system outages — including dependent business interruption for the cloud and API providers you rely on.
Funds transfer fraud and social engineering — including AI-enabled impersonation and deepfake-assisted fraud.
Attacks on and through your AI systems — prompt-injection-induced data disclosure, abuse of AI features and endpoints, model-enabled fraud — covered affirmatively, not by silence.
Most cyber applications never ask what your models and agents can do. Ours starts there.
Your security controls and your AI surface together: what your AI features can access, what they can be made to do, and the guardrails, evaluations, and monitoring around them.
We evaluate how the exposure actually behaves under pressure — not how the questionnaire says it should — so pricing reflects your real posture, not a checkbox count.
Good security and well-governed AI earn better terms. Where the market defaults to exclusion, we default to underwriting.
AI products change fast. Our renewal process tracks how your surface evolved — so coverage keeps up with your roadmap.
Bali Specialty distributes through retail and wholesale brokers. Clear appetite, complete submission requirements, and answers in days — not weeks.