Cover Vector brings a data-driven, continuously learning view of emerging technology risk — helping small and mid-sized businesses secure the right protection as AI becomes core to how they operate.
AI is embedded in the SaaS tools your clients already use — CRMs, billing, HR platforms. Most don't even realize they're exposed. It's the new silent cyber.
Major carriers are quietly adding AI exclusions to standard commercial policies. Verisk's latest forms give carriers a clear path to decline AI claims. Your clients may already be uncovered.
Traditional risk questionnaires weren't built for AI. There's no standard way to assess, score, and place AI coverage — until VectorIQ™.
Structured assessment of your AI tools, data flows, deployment models, and governance posture.
Our proprietary, patent-pending algorithm evaluates exposure across harm potential, control effectiveness, and exposure amplifiers.
We map your VectorIQ™ score against your current coverage to identify exactly where you're exposed.
We match you with carriers who understand AI risk and place the right coverage with defensible underwriting data.
| Score Range | Rating | Risk Level | Recommended Action |
|---|---|---|---|
| 85 – 100 | Low Risk | Minimal AI exposure, strong governance and controls in place | Standard placement with favorable terms likely |
| 60 – 84 | Moderate Risk | Material AI usage with some governance or control gaps | Targeted endorsements and gap-fill coverage recommended |
| Below 60 | High Risk | Significant AI exposure with limited controls or governance | Specialized AI risk program required |
AI-drafted briefs, contract review tools, and predictive analytics creating malpractice and confidentiality exposure.
Diagnostic AI, clinical decision support, and patient-facing chatbots with life-safety and HIPAA implications.
Algorithmic lending, fraud detection, and robo-advisory with fair lending and fiduciary duty risks.
AI embedded in products shipped to customers, creating downstream liability, IP, and data exposure.
Resume screening, candidate scoring, and automated hiring decisions with disparate impact risk.
Predictive maintenance, autonomous systems, and supply chain AI with physical safety implications.
AI tutoring, grading systems, and admissions tools with equity and student data protection concerns.
Dynamic pricing, recommendation engines, and customer service bots with bias and consumer protection exposure.
Check all that apply to your business. This isn't a substitute for a full VectorIQ™ assessment — but it'll give you a quick read on where you stand.
Carrier-by-carrier breakdown, real-world scenarios showing what gets denied, and a 5-step action plan.
Read article →How AI embedded in everyday SaaS tools creates liability that traditional policies were never designed to cover.
Read article →The patent-pending scoring methodology that finally gives carriers a data-driven way to underwrite AI risk.
Read article →Whether you're a business owner trying to understand your exposure, or a broker looking for a better way to assess AI risk for your clients — we're here to help.
Every AI tool your team adopts widens the gap. Find out where you stand in 4 minutes.
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