Policy Brief

A New Syndicate Class for AI Agent Liability

Audience: Lloyd's Innovation Lab, syndicate underwriters

Lloyd's has insured satellite launches, celebrity body parts, and the first commercial spaceflight. AI agents are the next uninsurable category. The reason is the same as pre-VIN vehicles: no standardized identity, no verifiable history, no actuarial foundation. EXIT Protocol changes that.

The problem

AI agents are autonomous software that moves between platforms, makes decisions, and takes actions. Today, there is no standard way to verify where an agent has been, why it left, or how long it operated. Without this data, no actuarial model can price AI agent risk. The market is stuck.

What EXIT provides for underwriting

The opportunity

This is the data layer Lloyd's needs to build AI agent insurance products. A new syndicate class for AI agent liability. First-mover advantage in a market that will be worth billions as autonomous AI scales across industries. Lloyd's built its reputation by insuring what others would not. This is that moment again.

Why now