FullSpec™
One policy for the age of AI liability
AI runs in your business, in hiring, customer service, software delivery or operations. The exposure is already live. FullSpec is the policy written for it.
FullSpec™ Bundled Tech Policy
Four coverages, written into one policy
- AI Liability
- Cyber Insurance
- Tech E&O
- Products Liability
Named coverage. Defined sublimits.
Protection for the AI era
Priced on your actual AI risk
Your premium is set by a data-driven predictive model of your AI exposure, not by guesswork. Most of the market is still pricing AI risk on instinct.
One policy, four coverages
AI liability, cyber, tech E&O and products liability in a single policy. No other carrier offers this together, so your AI risk doesn't fall into the gaps between four separate policies.
Underwriting that incorporates AI risk
Our AI Underwriting Workbench was built to assess AI exposure, a risk that traditional underwriting workflows were never designed to handle.
You're not the first to ask
Mid-sized companies deploying AI are already asking their brokers for this coverage. Until now, there was no purpose-built product for them to place.
Market exclusions
Multiple insurers are limiting or excluding AI coverage from their policies.
Regulators are moving
The EU AI Act, emerging U.S. state AI laws, and SEC/FTC enforcement are turning AI risk into a compliance obligation for the companies that use it. FullSpec is the only policy built specifically for it.
“Silent AI”: the exposure already sitting in your policies
Your E&O, CGL and Cyber policies were written before AI ran inside your business. They're quietly carrying AI risk that no one defined, which means no one has decided what's actually covered.
Tech E&O
Written to cover professional-service failures by human professionals, not by the AI your team now uses to deliver the work.
- Your team ships AI-generated code to a client. It fails in production.
- AI-assisted advice goes out under your name. The client loses money on it.
- Your product's automated output gets treated as a recommendation, and acted on.
- The AI inside your managed service drifts. You miss the SLA.
Every AI-assisted deliverable you ship is a potential E&O claim, at the volume AI lets you ship.
CGL / Products
Written to cover bodily injury and property damage from your operations: people and premises, not autonomous systems.
- AI-controlled equipment you deployed injures a worker on a client site.
- Your AI-driven product causes property damage at a client site.
- Generative AI content published under your brand damages someone's reputation.
- The AI hiring tool your HR team uses triggers a discrimination class action.
Once AI acts on its own, your CGL exposure stops looking like a slip-and-fall and starts looking like a catastrophic loss.
Cyber
Written to cover breaches, ransomware and network security failures, before AI systems lived inside your network.
- A model your team trained on customer PII triggers a breach notification.
- Someone poisons your model. Your clients take the hit downstream.
- AI-generated phishing gets past your controls.
- An AI system you depend on goes down. Now it's a business-interruption claim.
Your AI systems sit inside your network perimeter. When one fails, it's a cyber event by default, whether or not your cyber policy ever contemplated it.
FullSpec pulls AI risk out of the gray areas of your other policies and makes it explicit: named coverage, defined sublimits.
Ready to talk?
One policy for the age of AI liability. AI Liability, Cyber Insurance, Tech E&O and Products Liability, priced on your actual AI risk.
Or reach us at info@vantatir.com