Chaucer Group has teamed up with Armilla AI to offer an insurance solution – Vanguard AI – that caters for cyber, technology and AI-related liability within a single framework. It combines Chaucer’s cyber and technology errors and omissions product with Armilla’s standalone AI liability insurance and applies predefined allocation rules to events to allocate how the individual elements of cover will respond.

Vanguard AI offers dedicated AI aggregate limits of £18m or more per organisation, and cyber limits of £7m. Chaucer said this would help avoid AI-driven losses eroding traditional cyber or technology E&O capacity.

Piers Tuggey, head of cyber, Chaucer said: “As AI adoption accelerates, the challenge for insurers is managing the impact of emerging exposures, ensuring they do not distort coverage lines they were never designed or priced to absorb. The result of this partnership is a coordinated structure that preserves underwriting clarity while providing clients with a coherent response where risks overlap.”

Karthik Ramakrishnan, CEO and co-founder, Armilla AI, added: “By making AI liability clear and separate within Vanguard AI, organisations avoid post-loss uncertainty about where an AI-driven failure sits. This structure enables enterprises to engage with AI confidently, knowing that cyber, technology, and AI risks are addressed transparently and in a coordinated way.”