Air Canada's AI chatbot ruling is a wake-up call for AI liability
A Canadian tribunal made Air Canada eat the cost of its own chatbot's bad advice. What that ruling means for any firm shipping AI features in 2026.
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For tech & AI startups
Insurance for tech & AI startups.
Venture-backed SaaS, AI and fintech — sized to clear enterprise procurement and scale with every round.
Already focused on cyber + AI liability specifically? See our cyber + AI cover for founders
The real risk
The questions every
owner should ask.
Enterprise buyer just sent us a security and insurance addendum. Help?
Cyber and Tech E&O limits are now a hard gate in nearly every Fortune-1000 MSA. We bind to the exact language — coverage type, limit, retention, AI endorsement — and turn the certificate around fast enough to close the deal.
We just closed a Series A. What does the board actually need?
D&O is the priority — every priced round triggers personal liability for directors. Pair it with EPLI as soon as you start hiring, and key-person life if a founder departure would derail the company.
Our product uses LLMs. Are we exposed to AI-specific liability?
Yes. Hallucinations, IP infringement claims and discriminatory output sit between Tech E&O and media liability — most off-the-shelf policies exclude or sub-limit it. We place AI-specific endorsements with carriers that understand the risk.
Do we really need workers' comp for a 10-person remote team?
In nearly every state with even one employee, yes. Comp has to be set up so it covers remote workers wherever they actually log in from — not just where the company is incorporated.
Inside the cover
What a good policy
actually covers.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
Tech E&O + cyber liability
Combined first- and third-party cover — breach response, ransomware, regulatory defence, and liability for service errors or downtime. The package enterprise procurement asks for.
Learn about this coverDirectors & officers (D&O)
Personal liability protection for founders, board members and investors — from shareholder suits to regulatory action. Standard from priced round onward.
Learn about this coverEmployment practices (EPLI)
Cover for wrongful termination, harassment, discrimination and wage claims. The most common loss for a growing team, and a board-level expectation.
Learn about this coverAI & media liability endorsement
Specific cover for IP infringement, defamation and harmful output from AI-assisted features — added to E&O with carriers that actually understand the exposure.
Why Nomos
A broker that works
the whole market.
Built for procurement
We read the security and insurance addendums you're being asked to sign, and place the exact coverage required — fast enough to keep the deal moving.
Markets that price startups properly
Most carriers default to a generic tech rate. We work with the specialty E&O and D&O markets that understand pre-revenue, early-revenue and venture-backed risk profiles.
Scales with each round
Coverage gets re-shopped at every funding event. We won't let you carry seed-stage limits into a Series C — and we'll flag the moment you're under-covered.
How it works
From first call
to bound cover.
01
Tell us about your business
A few details about what you do, your size and any contract or licensing requirements you're working against.
02
We shop the market
We compare carriers that price your kind of business well, and bring back real options side by side.
03
Bind with confidence
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
Best fit
Who this is
built for.
Seed to Series C SaaS, AI and developer-tools companies
Fintech, healthtech and proptech startups with regulated exposure
Companies clearing Fortune-500 procurement or SOC 2 / ISO 27001
Founders raising a priced round and standing up a formal board
Teams shipping AI-assisted features in production
From field notes
What we're writing
on this.
Anthropic's Claude Mythos found thousands of zero-days. Your cyber insurance hasn't priced this yet.
Anthropic's Claude Mythos discovered thousands of unpatched zero-day vulnerabilities. What frontier offensive AI means for cyber insurance buyers in 2026.
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Insurance for your Series A: what investors actually expect
Closing a priced round triggers a specific set of insurance requirements. Here's what investors look for, what your board will require, and what's cheap to defer.
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Get a quote
Cover that gets you
through procurement.
Tell us about the stage you're at and what's prompting the conversation. We'll shop the specialty markets and come back with options that match what your customers, board and investors actually expect.
Tech E&O + cyber sized to enterprise MSAs
D&O placed in step with your round
AI liability endorsements where they matter
EPLI and workers' comp built for distributed teams