Bali Specialty is a managing general agent that does exactly one thing: cyber insurance for companies whose products and operations run on AI.
The fastest-growing companies in the economy are shipping models and agents into production — customer support that answers on its own, copilots inside the product, automation with real authority over payments, data, and systems. That's a new attack surface, and attackers found it before the insurance market did.
The market's first response has been exclusionary language. Ours is underwriting. Risk that can be understood can be priced, and priced risk can be covered — that's the whole history of specialty insurance, from hull to cyber itself.
Focus is the strategy. Because we see only AI-native companies, our applications ask the right questions, our underwriters recognize good AI governance when they see it, and our claims panel can read a model log. Generalist markets treat these accounts as anomalies. To us, they're the whole book.
We distribute through retail and wholesale brokers, and we hold ourselves to specialty-market standards: clear appetite, fast answers, and coverage positions communicated plainly.
Exclusions are what a market writes when it hasn't done the work. We'd rather do the work.
Our questions come from how attacks actually happen — including attacks on and through AI systems.
Affirmative language over silence. Insureds should learn their coverage position at bind, not at claim.
Our insureds ship weekly. Days-not-weeks turnaround, and renewals that track how the risk actually changed.
Brokers own the client relationship. Our job is to be the easiest specialty market they work with.
A focused book, underwritten properly, outlasts a sprawling one. We decline fast and renew carefully.
Brokers, prospective insureds, and market partners — we'd like to hear from you.