The AI is yours.
The risk is ours.
Nova insures the new risks of building with artificial intelligence — bodily injury, property damage, data, copyright, and AI error — so your team can ship without betting the company.
When your AI causes harm, your company pays.
Nova is liability insurance for companies building with AI — built to cover the gap your other policies leave open.
If your AI injures someone, leaks data, or gets it wrong, the claim lands on you — not your model vendor.
General liability, E&O, and cyber were written before generative AI. The new risk falls in the gap between them.
One uncovered AI claim can cost more than a year of runway — and most teams don't know they're exposed.
Five coverages.
Pick what your AI needs.
Every Nova policy is modular. Add the protection that maps to your real exposure — and leave the rest. Tap a coverage to build yours.
Bodily Injury
When an AI-driven product, robot, or autonomous system causes physical harm to a person, we cover the claim.
Property Damage
Physical damage to property caused by your AI's decisions, hardware, or automation — handled, down to the repair bill.
Data Disclosure
Unauthorized exposure, leak, or disclosure of the personal and proprietary data your systems touch.
Copyright Risk
Copyright and IP infringement claims arising from your AI's training data or its generated output.
AI Error
When your AI misrepresents the facts or hallucinates, and that false output costs a client, we pay the claim.
See it in your world.
Pick your industry to see how teams put generative AI to work — and the real claims a Nova policy is there to cover.
Retail & E-commerce
Third-party injury, damage, and financial harm arising from a retailer's use of generative AI.
A shopping assistant recommends a product for a use it isn't rated for, and a customer is hurt using it.
A returns bot gives the wrong install steps for an appliance, and a customer's kitchen floods.
A support bot opens the wrong account and reads another shopper's address and card details.
An AI ad generator ships a campaign that copies a rival brand's protected artwork.
A checkout bot quietly enrolls customers in an auto-renewing plan they never agreed to.
Healthcare
Third-party injury, damage, and disclosure arising from a healthcare provider's use of generative AI.
A wellness bot tells a post-surgery patient to resume intense exercise too soon, and they reinjure themselves.
A facilities AI recommends a temperature change that spoils stored medication and lab samples.
A transcription tool auto-sends a visit summary containing patient records to the wrong recipients.
A summary tool simplifies clinical notes and drops a contraindication, leading a third party to act on bad information.
Education
Third-party injury, damage, and disclosure arising from a school's use of generative AI.
A coaching bot pushes a student athlete through an unsafe workout on a hot day.
A lab-assistant bot gives students an unsafe procedure that damages equipment and the classroom.
A records assistant surfaces one student's disciplinary file to unrelated families.
A housing bot confirms a dorm room that doesn't exist, and the family sues over last-minute housing costs.
Hospitality
Third-party injury, disclosure, and financial harm arising from a hospitality brand's use of generative AI.
A concierge bot recommends an "easy" hike well beyond a guest's ability, and they're injured.
A guest chatbot reveals another guest's room number and itinerary when prompted.
A marketing tool generates a slogan lifted from a competing hotel group's campaign.
A booking bot confirms a room that was never available; the guest arrives to nothing and sues for the costs.
Legal & Professional
Third-party financial loss and disclosure arising from a professional firm's use of generative AI.
A research copilot cites a case that doesn't exist, and a client suffers a loss relying on the filing.
A drafting tool autocompletes a brief using confidential details from another client's matter.
A pitch generator reproduces protected language from a third party's copyrighted materials.
Financial Services
Third-party financial loss and disclosure arising from a financial institution's use of generative AI.
An advisor copilot fabricates a figure in a client report; the client invests on it and sues after the loss.
A meeting-transcription bot sends a confidential client summary to people outside the deal after the call ends.
An internal marketing tool builds a campaign that infringes a competitor's brand assets.
Generic policies weren't built for this.
The policies you already carry — general liability, errors & omissions, cyber — were written before generative AI. Each responds to a slice of the risk and stops short of the rest.
| When AI output leads to… | General Liability | Errors & Omissions | Cyber | Nova |
|---|---|---|---|---|
| Third-party financial loss | NoPays for injury or property damage, not pure economic loss. | PartialMay respond, unless a generative-AI exclusion applies. | NoTriggers on a security breach, not a faulty answer. | YesCore to AI Error coverage. |
| Third-party bodily injury | PartialOften responds, though newer forms add AI carve-outs. | NoProfessional-liability forms exclude bodily injury. | NoOutside what a cyber form covers. | YesCovered under Bodily Injury. |
| Third-party property damage | PartialCan respond, subject to the same AI carve-outs. | NoExcluded by professional-liability forms. | NoNot a covered cyber peril. | YesCovered under Property Damage. |
| Exposure of personal or third-party data | NoData exposure sits outside a liability form. | NoRarely contemplated in a standard E&O form. | PartialMay respond if it reads as a privacy breach. | YesCovered under Data Disclosure. |
| Copyright or IP infringement | PartialOnly the narrow advertising-injury wording. | NoIP infringement is a common exclusion. | PartialSometimes within a media-liability sub-limit. | YesCovered under Copyright Risk. |
A simplified view of how each policy type typically responds. Actual coverage depends on your specific policy wording and underwriting.
Covered in three moves.
No 40-page questionnaire. No six-week wait. Just coverage that keeps pace with how you build.
Tell us about your stack
Share what you build, the models you rely on, and where they touch your customers. Five minutes, not fifty pages.
Get a tailored quote
Our underwriters price your actual AI risk — not a recycled tech policy — and send a bound quote within 48 hours.
Bind and ship
Sign, bind coverage, and get back to building. Scale your limits up or down anytime as your product grows.
Not your dad's insurance company.
Legacy carriers bolt an AI clause onto a policy from 2009 and call it innovation. We started from the model.
The old way
- Generic policies that barely mention AI
- Reps who don't understand your technology
- Quotes and claims that drag on for months
- AI risks buried in the fine print
The Nova way
- Coverage built specifically for AI risk
- Specialists who actually understand AI
- Quotes and claims handled in days
- Clear terms, no surprise AI exclusions
If your team is building with AI, we want to see it.
Beyond the verticals above, here's the broader range of generative-AI use cases and industries we'll underwrite.
Use cases we'll review
- Customer support & success chatbots
- Companion and advisory chatbots
- Inbound and outbound voice agents
- AI embedded in products and safety systems
- Meeting and call transcription
- Drug and materials discovery
- Creative work in advertising and media
- Marketing and content generation
- Sales, CRM, and lead generation
- Procurement and vendor workflows
- Executive and team assistants
- Data science and analytics
- Compliance and internal review
- Fraud, threat, and security detection
- Supply chain and logistics
Industries we'll review
- Accommodation & food service
- Administrative & support services
- Arts, entertainment & recreation
- Construction
- Education
- Finance & insurance
- Healthcare & social assistance
- Information & media
- Manufacturing
- Mining, oil & gas
- Professional & technical services
- Real estate & leasing
- Retail trade
- Transportation & warehousing
- Utilities
- Wholesale trade
"Nova is the first carrier that actually understood our LLM stack — and priced it like they did."
Build with AI.
We'll handle the risk.
Tell us about your AI in two minutes. Get a real quote in 48 hours.