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Insurance for AI agents starts with a risk evaluation of the agent itself: what it can access, what actions it can take, and how it behaves under edge cases. Klaimee scores agents across 8 risk dimensions (scope, data exfiltration, unauthorized action, output integrity, adversarial manipulation, behavioral stability, model drift, and operational control), issues a certification report, and backs certified agents with a financial guarantee today. Full liability insurance built on top of that certification is coming soon. Certified agents will be first in line.

AI liability insurance covers the legal and financial exposure a company faces when its AI system causes harm: corrupted records, wrongful denials, leaked data, or incorrect outputs at scale. For autonomous AI agents with write access, this exposure is material: one misfire can send 10,000 wrong emails or delete production data. Dedicated AI liability insurance exists because standard tech E&O and cyber policies were not designed for systems that act on their own.

In most cases, no. Cyber insurance is built around the assumption of a human attacker breaching your systems, while tech E&O assumes a human operator made a mistake. Autonomous AI agents that take actions on their own fit neither model, and most carriers now silently exclude or ambiguously handle agentic AI in their policy wording. Before relying on your existing coverage, ask your broker for a written confirmation that AI agent actions are not excluded. Most startups only discover the gap after an incident, when procurement asks for proof of coverage they cannot produce.

Any startup shipping AI agents to enterprise clients needs it. Procurement and legal teams now require proof of risk assessment and liability coverage before approving AI systems with write access to CRMs, support tools, code, financial systems, or email. Without it, deals stall in procurement for quarters. CRM agents, support agents, code agents, financial agents, and email agents are the highest-priority use cases.

The Klaimee guarantee is a financial backstop tied to your certification. Certified agents get a Klaimee-Verified badge, a detailed risk report across 8 dimensions, remediation recommendations, and a procurement-ready PDF your client's legal team can file. The guarantee is included with certification. It gives enterprise buyers a real counterparty for liability, not a promise buried in your terms of service.

Klaimee rates AI agents on a letter scale from A to F across 8 risk dimensions: scope violation, data exfiltration, unauthorized action, output integrity, adversarial manipulation, behavioral instability, model drift, and operational control failure. The evaluation is a 10-minute declarative application plus an audit of the agent's stack and policies. A full report is delivered within days.

Certification is the assessment. It proves an AI agent meets a defined risk standard and gives enterprise procurement a reason to approve the deal. Insurance is the financial transfer of residual risk if something still goes wrong. Klaimee currently provides certification plus a financial guarantee; AI-specific liability insurance is coming soon, and certified agents will qualify first with premiums tied to their score.

The application takes about 10 minutes. The full evaluation report (risk score, category-level findings, remediation recommendations, Klaimee-Verified badge, and procurement-ready PDF) is delivered within days. The financial guarantee is included from day one of certification.

Klaimee's AI liability insurance is in development and launching soon. Agents certified today will be first to access coverage when it goes live, and their certification score will determine their premium. In the meantime, certified agents are backed by Klaimee's financial guarantee, which is enough for most enterprise procurement teams to approve the deal.