01 · Discover
Start with your AI use
We begin with the business problem—how AI is actually being used—not a wall of insurance jargon.
A clearer way into emerging-risk insurance
One place to start for
One place to start for
AI insurance.
AI insurance can involve liability, cyber, technology E&O, robotics or drone coverage. Tell us how your business uses AI and we’ll organize a licensed review. Explore personal cyber and deepfake risks in the market map, too.
No account requiredNo obligation to submitLicensed professionals handle quotes
THE JOURNEYExplore your AI useShare business basicsLicensed review when available
ONE MAP / THREE STARTING POINTS
AI risk reaches further than one industry.
Start with what happened or what your system does. Each path has different coverage questions and different partner requirements.
01 / BUSINESSES
AI software, agents & enterprise
For vendors, employers and companies deploying AI in daily work.
Explore business markets ↗02 / PHYSICAL AIDrones, robots & autonomy
When software moves through the world and can affect people or property.
Explore physical AI ↗03 / PEOPLE & FAMILIESScams, deepfakes & identity
Clear questions for individuals facing voice clones, fake content or online fraud.
Understand personal protection ↗Business referral requests are open. The personal path is educational while consumer partners are being explored.
A more useful starting point
Start with the work.
Not the policy jargon.
Insurance for emerging technology is rarely one-size-fits-all. We capture how AI is used so a licensed professional can assess the relevant exposures when a suitable partner is available. Live quote comparison is not available yet.
02 · Route
Prepare the handoff
Your request is captured for review. When an approved partner's licensed states and stated appetite match, the marketplace can route the request automatically.
03 · Place
Licensed professionals take over
Applications, recommendations, quotes, negotiations and binding stay with licensed insurance professionals.
AI insurance is the umbrella
One AI risk can touch several insurance lines.
We are not building a marketplace around one narrow policy. The goal is to become the place a business starts when it asks, “We use AI—what insurance should we review?” A licensed professional may ultimately use one policy or a combination of policies.
AI-specific
AI liability
Purpose-built or affirmative coverage for claims tied to AI outputs, decisions, deployment and autonomous behavior.
Digital risk
Cyber
Privacy, security, breach response, network events and other cyber exposures that can overlap with AI systems and data.
Technology
Tech E&O
Financial loss allegations arising from technology products, software failures or professional technology services.
Professional services
Professional liability
Errors, omissions or advice-related claims when professionals use AI in client-facing work.
Corporate & workforce
D&O / EPL
Governance, board oversight, hiring and employment exposures where AI is part of the decision process.
Physical AI
Products, robotics, drones & mobility
Product, general liability, aviation and physical-world exposures when AI controls equipment, vehicles or autonomous systems.
Explore AI insurance coverage pathways
These are categories to discuss with a licensed professional, not recommendations or guarantees that a particular policy is available or will cover a loss.
AI risk map
The risk depends on what the system does.
The point of the marketplace is not to pretend every AI risk fits one policy. It is to make the starting point simple while the licensed insurance process stays precise.
Incorrect output
Hallucinations, bad recommendations, inaccurate summaries or AI-generated decisions that create third-party loss.
Privacy & data
AI systems can touch customer information, confidential records or sensitive data in ways existing insurance may treat differently.
Intellectual property
Generated text, code, images and media can create copyright, trademark, advertising or defamation allegations.
Autonomous action
Agents may send messages, modify systems, trigger workflows, place orders or take actions outside intended authority.
Cyber & technology
AI can introduce software, security, professional-services and technology errors alongside ordinary cyber exposure.
Operational loss
AI failures can create interruption, remediation expense, runaway usage costs or other first-party loss.
Robotics & physical injury
Physical systems can involve bodily injury, property damage, product and operational exposures alongside software error.
Drones & aviation
Commercial unmanned aircraft bring flight, equipment, third-party and operational questions that require specialist review.
Illustrative risk categories only. No listed event is necessarily covered. Policy terms, underwriting, exclusions, limits and applicable law control.
How it works
One front door. Three simple steps.
Tell us the basics
Company, state, industry and the broad way you use AI. The public form is intentionally not an insurance application.
We review the request
We confirm the basics. A broker handoff depends on licensed partner availability in your state and for your business.
A licensed partner takes over
When a suitable partner is available, they handle detailed risk questions, policy recommendations, quotes and binding.
Field guides
Get oriented before you talk coverage.
Straightforward explanations of the questions different AI businesses may need to ask. These guides are educational, not policy advice.
Start hereWhat is AI insurance?A plain-English guide to the category.
LiabilityAI liability insuranceThird-party claims tied to deployed AI.
Agentic AIAI agent insuranceAutonomous actions, permissions and transaction risk.
Generative AIGenerative AI insuranceCoverage questions around AI output and deployment.
Small businessAI insurance for small businessFor companies using AI that are not AI startups.
Market mapAll AI risk marketsBusiness, physical AI, consumers and future watch.
Personal cyberDeepfake and scam protectionHow coverage questions differ for voice clones and identity theft.
Research hubAll AI insurance resourcesGuides, definitions and official market references.
Physical AIRobotics insurance questionsPhysical injury, product, software and operations.
Autonomous flightAI drone insurance questionsFlight operations, equipment and third-party exposures.
Request a review
Start with the basics.
About two minutes. Share basic business information; we will review your request and contact you about next steps. Partner availability is not guaranteed. Please do not include confidential information.
Insurance disclosure: LunarQuote is not an insurance company and does not currently sell, solicit, negotiate or bind insurance. A licensed insurance agent, broker or producer may contact you about insurance products. Submission does not create coverage.
FAQ
Clear answers before the insurance conversation starts.
Are you an insurance company?
No. This pilot is a referral and distribution marketplace. It does not insure risks or pay claims.
Does completing this form give me insurance?
No. Nothing on this website creates, changes or binds insurance coverage.
What does “AI insurance” include?
AI insurance is the umbrella category we use for the insurance questions created by AI. Depending on the business, a licensed professional may review specialized AI liability, cyber, Tech E&O, professional liability, D&O/EPL, product/general liability, robotics, aviation/drone or other commercial coverage. This site does not recommend a specific policy.
Can I compare live quotes today?
Not yet. The site offers educational exploration and request intake. We are building a licensed partner network; no insurer prices or bindable offers are displayed.
Do you already represent every AI insurer?
No. We do not claim to represent every insurer or have access to every market. Partner access and availability will vary.
Why use a marketplace?
The aim is to remove the first layer of confusion: businesses start in one place, while licensed professionals and insurers handle the regulated transaction behind the scenes.