// THE PROTECTION GAP
Your existing E&O policy doesn't cover non-deterministic AI behavior.
Traditional carriers wrote their policies for software that behaves the same way every time. Autonomous agents, LLMs, and multi-step AI pipelines don't. When a deployed model violates an output policy, drifts from its guardrails, or takes an action that generates a regulatory claim — your current coverage has a gap your broker quietly hopes you never find.
Legacy E&O excludes AI outputs
Standard professional liability policies exclude damages arising from autonomous system decisions. The exclusion is standard boilerplate — carriers added it without telling anyone.
Blackbox Insure: affirmative AI output coverage, written explicitly
No carrier can price what it can't monitor
Traditional underwriters price on revenue and industry category. They have no visibility into runtime guardrail events, token drift, or actual model behavior — so they price wrong or decline to bind.
Blackbox Insure: real-time telemetry SDK converts behavior to premium
Claims take months with no AI-specific evidence
When an AI-related incident generates a claim, traditional adjusters have no framework for AI behavior logs, no tools for guardrail evidence, and no timeline to adjudicate promptly.
Blackbox Insure: automated claims engine with model behavior evidence packets
// LAYER 01 — MONITORING
A real-time telemetry SDK that sees inside every inference call.
Install the SDK in one sprint. It attaches to your model runtime and begins capturing guardrail events, output policy checks, token drift vectors, and latency anomalies — streaming the signal directly to our underwriting engine with no PII ever leaving your environment.
- — Supports OpenAI, Anthropic, Mistral, Llama, and custom model endpoints
- — Zero-trust architecture — telemetry is hashed and anonymized at edge
- — P99 overhead under 4ms per inference call
- — Guardrail event taxonomy maps directly to your policy terms
> blackbox.init({apiKey: process.env.BB_KEY})
> blackbox.attach(openai_client)
Attached to: gpt-4o-prod
Stream connected. Monitoring active.
--- RECENT EVENTS ---
[09:14:02] TOKEN_DRIFT delta=+0.34 threshold=0.25
[09:14:09] GUARDRAIL_OK check=pii_filter
[09:14:17] POLICY_VIOLATION rule=output_safe
[09:14:24] LATENCY_SPIKE p99=4200ms
Risk score updated: 42 (+3)
// LAYER 02 — UNDERWRITING
Actuarially precise coverage priced on actual runtime behavior.
The underwriting engine ingests your telemetry feed and produces a live risk score calibrated to your specific models, guardrail posture, and deployment context. Premium is computed from real signal, not industry category. Coverage is issued as a named policy with affirmative AI-specific language — not a legacy E&O with an AI rider.
- — Policy limits from $1M to $25M per occurrence
- — Coverage attaches to named models and agent pipelines
- — Automatic premium adjustment as telemetry changes
- — Certificates issued in 24 hours, accepted by enterprise procurement
// LAYER 03 — CLAIMS
Automated claims adjudication with AI behavior evidence built in.
When a claim is filed, the claims engine automatically assembles the AI behavior log from the incident window, cross-references it against your policy terms, and produces an adjudication recommendation — typically within 72 hours. No guesswork for adjusters who've never seen an LLM inference log.
- — AI behavior evidence packets compiled automatically from telemetry
- — Policy term matching against specific guardrail event types
- — Target 72-hour adjudication for incidents with telemetry coverage
- — Claim portal accessible to your legal and finance teams
Claim filed
Output policy violation — financial advice to retail user
Dec 04, 2024 09:14 UTC
Evidence packet assembled
47 guardrail events, 3 policy violations, full inference log
Dec 04, 2024 09:22 UTC
Policy term match confirmed
Coverage: AI Output Liability, Section 4.2(b)
Dec 04, 2024 11:05 UTC
Adjudication pending
Est. Dec 07, 2024
$5M
Maximum per-occurrence coverage limit
72 hr
Target claim adjudication with telemetry coverage
24 hr
Certificate issuance for enterprise procurement
<4 ms
P99 SDK overhead per inference call
// COVERAGE TIERS
Coverage priced to your actual exposure — not your headcount.
STARTER
$12,000 /yr
Up to 3 deployed models
GROWTH
$48,000 /yr
Up to 10 deployed models
ENTERPRISE
Custom
Unlimited models, complex pipelines
All plans require SDK installation. Premium adjusts quarterly based on telemetry data.
// CLOSE THE GAP
Every day your agents run
without affirmative coverage
is an unpriced risk.
Your CISO, General Counsel, and board all need documented AI coverage. Your enterprise customers ask for it during procurement. Your existing policy doesn't provide it. Schedule a coverage assessment and get a bindable quote within 48 hours.