95% of UK businesses now embrace artificial intelligence, yet 41% lack documented AI policies, creating significant coverage gaps that traditional insurance fails to address.
At the Epitome Group, we provide comprehensive AI risk management combining expert policy development with specialised insurance placement for UK SMEs.
Currently, traditional insurance policies contain “silent AI” coverage gaps where AI related risks are neither explicitly included nor excluded. This creates uncertainty when claims arise from . . .
AI hallucinations producing false information
Model drift causing performance degradation
Algorithmic bias leading to discrimination claims
Data breaches involving AI systems
Intellectual property infringement from AI generated content
Professional liability when AI advice causes client losses
With one in six UK businesses experiencing cyber attacks, AI adoption without proper insurance protection significantly amplifies these risks.
SME Focused Excellence – We solely specialise exclusively in serving micro, small, and medium businesses across the UK, understanding the unique challenges and resource constraints.
Appointed Reseller Model – Operating as appointed resellers of FCA authorised insurance principals, we provide legitimate, compliant insurance distribution services with full regulatory backing.
Comprehensive Integration – Unlike standalone insurance resellers, we combine AI policy development with specialised insurance placement, ensuring seamless protection that works in practice.
AI Policy Development & Insurance Integration – We develop bespoke AI policies tailored to your business operations, serving as the foundation for securing appropriate insurance coverage through specialist AI insurers.
Comprehensive AI Liability Coverage
Professional indemnity enhancement for AI service delivery
Cyber insurance with AI endorsements
Errors & omissions coverage for AI driven recommendations
Intellectual property protection for AI generated content
Ongoing Policy Management – AI powered regulatory monitoring, expert claims support, and regular risk assessment updates ensure continuous compliance as AI regulations evolve.
The AI insurance market represents substantial growth, with global AI insurance premiums projected to reach $4.7 billion by 2032. Recent UK insurance market conditions have created opportunities for competitive pricing, while emerging AI regulations including the EU AI Act make proper insurance coverage essential for demonstrating governance and compliance.
Deep SME Understanding – We specialise in micro, small, and medium businesses across the UK, with a proven track record of helping them navigate technological change while maintaining practical, cost-effective approaches.
End to End Protection – We provide integrated AI policy development and specialised insurance placement, eliminating coordination challenges and ensuring comprehensive coverage with ongoing partnership support.
Starting from £199 annually, our AI insurance services are designed to be accessible to businesses of all sizes, with flexible payment terms including annual payment options and credit facility arrangements similar to traditional insurance premium finance.
From essential protection for micro businesses to enterprise solutions for medium-sized businesses, we offer scalable packages that grow with your business.
The average cost of a data breach for small businesses is £3 million – a figure that could devastate most SMEs. Recent high-profile cases include Air Canada held liable after AI chatbot provided misleading information, and Meta facing legal actions for training AI models on copyrighted content.
By implementing comprehensive AI insurance coverage now, you position your business to leverage AI confidently while maintaining robust protection, demonstrate governance to clients and regulators, and prepare for regulatory changes as AI frameworks evolve which they continually do.
Transform your AI risk management today. Contact us to discuss how our integrated AI policy and insurance service can safeguard your business while enabling confident AI adoption.
Contact us to discuss our AI integration services, or book a 30 minute AI review with one of our consultants.
