Specialty cover for the four ways AI causes loss: third-party liability, performance failure, regulatory penalty, and AI-enabled cyber. For vendors building it, enterprises deploying it, and procurement teams buying it.
Three regulatory shifts in twelve months created a market that didn't exist before. AI vendors and deployers who don't act now will be uninsured when claims start hitting.
Maximum penalty under Regulation 2024/1689, or 7% of global turnover. High-risk obligations enforceable from 2 August 2026.
Specialty AI liability is one of the fastest-growing lines in commercial insurance. Coverage capacity has not kept pace with adoption.
Standard cyber and tech E&O policies are introducing generative-AI exclusion endorsements. The cover gap is structural, not temporary.
Most policies cover one risk. We assess the four that actually matter for AI-deploying organisations, under a single twelve-factor framework.
Third-party claims when your AI gets it wrong. Bias, misinformation, autonomous decisions, and downstream loss from the model's outputs.
The model worked in the demo. In production it doesn't. Cover for financial loss from drift, accuracy decay, or SLA failure.
When the regulator comes knocking. First-party cover for EU AI Act, DPDP, GDPR-AI penalties, and the cost of remediation.
Loss from AI-enabled attacks, plus liability when your AI tools are exploited or weaponised by third parties.
The assessment is a professional service delivered by Western Legal Corp Ltd (UK) and P&Y Law Offices (India). The Letter of Insurability is the underwriting record vendors and procurement teams take to their broker or risk committee.
Tell us about the model, the use case, the deployment, and the data. Initial scoping in one form.
Solicitor-led assessment using the same axes as Munich Re aiSure and Armilla AI public criteria.
Preferred · Standard · Loaded · Decline. Reproducible scoring against the published rubric.
Twelve-month validity. Indicative pricing range. Use with brokers, procurement, board, and capacity providers.
Whether you're deploying a single model in production or running a portfolio, the assessment scales. Initial response within two business days.
Ambo carries three meanings. Each is intentional.
The protector. The fierce form of the Goddess invoked against forces ordinary defences cannot fight. Insurance, at its root, is protection.
The mango tree. GIFT City sits in Gujarat. Rooted in the soil we operate from, anchored where the regulator opened the door.
Both jurisdictions, India and the UK. Both legal systems. Both halves of the AI risk equation, vendor and capacity. Bridge, not silo.