Call: 01792 001350
AI and Tech Startup Insurance
We Insure the Code That Changes the World.
Specialist protection for AI Startups, Machine Learning Engineers, and SaaS Innovators.
You are building the future. But standard business insurance wasn’t built for algorithms, hallucinations, or IP disputes. We combine AI-powered efficiency with human expertise to build a safety net that actually understands your tech stack.
Professional Indemnity for AI Consultants
Cyber Liability for Algorithm & Data Risks
D&O for High-Growth Founders
Why Standard Insurance Fails AI Companies
Most brokers don't know the difference between a "hallucination" and a "bug." We do. As an AI-Powered Broker, we use technology to streamline your application, but we use human insight to ensure your coverage is watertight.
Who We Serve
Our specialised insurance is designed for:
Freelance Software Developers
Independent IT Consultants
Contract Web Designers
Technology Project Managers
Cybersecurity Specialists
Cloud Solutions Architects
Data Science Contractors
What we cover
1. Professional Indemnity for AI Consultants UK
If your model gives bad advice or your code breaks a client's system, they can sue for damages. Standard PI policies often exclude claims arising from "automated decision making." Our policies are crafted to include Technology Errors & Omissions, protecting you if your AI underperforms.
2. Cyber Insurance for AI Startups
You hold massive datasets. A breach doesn't just mean lost data; it means regulatory fines (GDPR) and ransom demands. We protect you against:
Data breaches & hacks
Ransomware attacks
Third-party liability (if your software is the vector for a client's breach)
3. Intellectual Property (IP) Defence
With Generative AI, copyright law is a minefield. If you are accused of training your model on copyrighted data without permission, legal defence costs can cripple a startup. We offer IP infringement defence options specifically for the SaaS and AI sector.
Who is this for?
Tailored Packages for Every Stage of Growth
The Solo Consultant
Role: Machine Learning Engineer / Data Scientist
Needs: Quick, compliant PI insurance to sign a contract.
Cost: Starting from £18/mo.
The VC-Backed Startup
Role: SaaS Platform (Series A/B)
Needs: Directors' & Officers' (D&O) insurance to satisfy investors, plus heavy Cyber Liability.
Solution: A "Portfolio Pack" covering board members and server farms.
The Scale-Up
Role: Deep Tech / Hardware / Robotics
Needs: Complex liability for physical damage caused by software (e.g., autonomous agents).
Solution: Bespoke broking with our London market partners.
How We Helped a Swansea Tech Firm
The Challenge: A local AI copywriting startup was refused cover by a major comparison site because they used "Automated Content Generation," which the insurer deemed "High Risk."
The Miller & Partner Solution: Our team understood that the human-in-the-loop process reduced the risk. We manually broked the deal with a specialist underwriter in London.
The Result: Full Professional Indemnity & Cyber cover secured in 48 hours, allowing them to sign their first Enterprise client.
Frequently Asked Questions (FAQs)
How much is professional indemnity insurance for AI consultants in the UK?
It depends on your revenue and contract limits, but policies for freelancers often start as low as £200 per year. We use AI to scan the market for the best rate instantly.
Do I need insurance for a pre-revenue AI startup?
Yes. If you are beta testing with free users, you still hold data (Cyber Risk) and you can still be sued for IP infringement (Media Liability). It is cheaper to insure early than after a claim.
What is the difference between PI and Cyber insurance?
Professional Indemnity (PI) covers you if your work is wrong (e.g., your code deletes a client's database). Cyber Insurance covers you if you are attacked (e.g., a hacker locks you out of your own systems). Most AI companies need both.
Get a Quote Now!
Complete our the form below to get a quote today.
Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
Email: [email protected]