Liability insurance for AI Agents. You deploy agents, we cover you.
TL;DR: Klaimee is the first insurance for your AI agents. It covers what traditional E&O and cyber explicitly carve out, so you can deploy agentic AI at scale with real peace of mind.
80% of Fortune 500 companies are already using AI agents. That’s creating a new kind of liability risk no one is really covering yet.
Enterprises want AI. But they want to know “who pays if something goes wrong”? There’s no clear answer today.
Meanwhile, AI-related lawsuits are up 137% between 2024 and 2025.
👋 Hi, we are Ines and Julien.
Ines was General Manager at SafetyWing (W18), she spent the last 5 years building insurance products from scratch, structured a Tokio Marine MGA, and got the Puerto Rico carrier license, scaling an insurance startup from $5M to $60M. She ran this playbook before, doing it again, AI-native this time.
Julien handles the engineering and enterprise compliance side. He has a strategy consulting background, working with corporates and insurance, coupled with a deep software engineering and AI expertise.
🔥 Our team brings the best of both worlds to underwrite the new emerging AI risk.
💡 The opportunity:
Traditional insurance was built for deterministic software; it either works or throws an explicit error. AI agents fail silently and not uniformly. So cyber won't cover it. E&O won't cover it either.
The existing insurance industry lacks the velocity and deep AI knowledge to fill this gap.
We built Klaimee to do exactly that: we provide liability insurance, financial guarantee, critical risk evaluation, certification, and procurement documentation enterprises require, all in under 24 hours.
Watch our launch video below https://youtu.be/Y7VBNr81b5Y
⚙️ How we do it:
To insure AI agents, we had to reinvent how traditional underwriting works. Our proprietary, three-block system determines an agent’s risk score and insurance price:
- Public Data Scan: We scan publicly available data related to the agent.
- Governance Assessment: We ask 30 questions concerning the agent’s governance.
- Behavioral Testing: We actually test your agent’s behavior, firing more than 100 probes (prompt injection, jailbreak, decision drift, data leakage, biased outputs) to understand when and how it fails.
Score it. Certify it. Underwrite it. Insure it ▷ with a 24h turnaround.
We bring the trust layers so startups and enterprises can deploy agentic AI with peace of mind.
🛡️ What we cover: AI agents in healthcare and biotech, finance & accounting, IT & software development, law & legal tech, customers support and sales agents.
AI Agents act like humans: they take actions, make decisions, and have a real impact that can cause damages. At Klaimee, we cover the actual behavior of the AI agents. Real failure modes happening in production right now:
- An agent hallucinated a contract clause your customer relied on.
- An agent leaked one patient’'s data to another.
- An agent made a biased call in lending, hiring, or pricing.
- An agent took an unauthorized action with financial damage downstream.
⌛️ Why now:
Major insurers like Berkshire, Chubb, and Travelers are winning state approval to exclude AI liability from standard commercial policies, leaving every agent-deploying company exposed. And it is leaving every agent-deploying company exposed.
The ISO, which sets standards for 70% of the U.S. market, is making AI exclusions the default for Commercial General Liability policies (ISO CG 40 47 / CG 40 48 endorsements). The EU AI Act enforces in August 2026.
Every Fortune 500 procurement team is now asking the AI insurance question, and the answer from incumbents is "we exclude that."
The same thing happened with cyber 20 years ago. It got carved out of existing policies. A whole new line of insurance was created. The same shift is happening with AI right now. And nobody has built the product for it yet.
Ines has done this in insurance before. Julien goes deep on the AI side. Together we know how to actually price the risk.
We understand what enterprise buyers need to see, and why a startup can’t sit around for 6 months waiting on a traditional carrier.
If you’re shipping AI agents into enterprise, you should already be thinking about coverage.
We’re underwriting our first cohort now → klaimee.ai
What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?
AI agents can now execute financial transactions, access sensitive data, and take real-world actions, but there is no insurance, no certification, and no clear liability framework for when they fail.
This is the same gap that existed with cyber risk in the early 2000s, before a $15B+ insurance market emerged. We’re at that same inflection point with AI.
The signals are already there: AI-related incidents are being carved out of traditional liability coverage, lawsuits are growing rapidly, and enterprises are still under pressure to deploy AI. The result is a fast-growing, unaddressed risk layer.
We saw this firsthand. We were building AI agents for claims processing: handling payments and decisions inside regulated environments. Every customer asked the same question: who is liable when the agent gets it wrong? There was no answer.
That’s when it became clear: this infrastructure has to exist before enterprise AI can scale.
Ines had already built insurance products from zero at SafetyWing, including carrier relationships and underwriting frameworks. We realized we were uniquely positioned to build the certification and insurance layer for AI agents - so we did.
What is your long-term vision? If you truly succeed, what will be different about the world?
Every transformative technology needs a trust layer before it can scale.
The internet needed cybersecurity. Cloud computing needed compliance and audit standards.
AI is next.
Today, AI agents can act but they can’t be trusted at scale. There is no standard for how they’re evaluated, no clear liability when they fail, and no infrastructure to make them safe to deploy in critical environments.
If we succeed, the liability and certification framework we build won't just protect enterprises, it will make AI itself safer, more accountable, and more auditable at a global scale. We are not just selling insurance. We are building the infrastructure that allows the agentic world to exist.
