ElevenLabs launches first AI insurance for voice agents
On February 12, 2026, ElevenLabs introduced an insurance-backed product that covers the actions of AI voice agents deployed through ElevenAgents. It's the first policy supported by AIUC-1 certification, giving enterprises and carriers a clearer way to price, transfer, and manage AI agent risk.
The goal is simple: make AI agents insurable like employees. For insurers, that means new premium lines with measurable controls. For enterprise buyers, it removes a major blocker to production-scale deployments.
What the policy enables
- Insurability of agent actions: financial protection if an AI voice agent provides incorrect information or triggers an adverse outcome within defined scope.
- Underwriting signal: certification-backed testing data insurers can use to evaluate exposure and set terms.
- Path to scale: helps procurement clear legal, security, and accountability hurdles that stall AI pilots.
The certification behind it (AIUC-1)
ElevenLabs earned AIUC-1 after more than 5,000 adversarial simulations across data and privacy, safety, security, reliability, accountability, and societal impact. Scenarios modeled real incidents like hallucinations and prompt injection, producing an empirical risk profile acceptable to insurers.
This third-party testing gave carriers enough confidence to offer AI-specific coverage for enterprise use cases built on ElevenLabs' platform.
Why this matters to insurers
- Independent assurance: structured evidence of guardrails and failure handling, not just vendor claims.
- Clearer pricing inputs: standardized tests and outcomes inform limits, retentions, and exclusions.
- Distribution catalyst: procurement teams increasingly require certification plus coverage before approval.
- Loss control leverage: policy terms can mandate logging, kill-switches, red-teaming, and change management.
Key underwriting considerations
- Exposure profile: interaction volume, use-case criticality, financial authority of the agent, and supervision ratio (human-in-the-loop vs. fully automated).
- Model and tooling stack: base model lineage, voice synthesis, speech-to-text, retrieval, tool access, and any high-risk integrations (payments, PII systems).
- Controls: prompt/response filtering, PII redaction, authentication/authorization for agent actions, allowlists for tools, rate limiting, and production rollbacks.
- Evaluation and monitoring: red-team results, LLM evals, incident logs, versioning, drift detection, and formal model change procedures.
- Scope and triggers: clear coverage definitions for misinformation, unauthorized actions, data leakage, and service disruption; documented exclusions and sublimits.
- Data governance: data residency, retention, encryption, vendor data use, and breach notification timelines.
- Claims playbook: evidence standards (telemetry, transcripts), rapid shutdown paths, customer remediation, and subrogation against upstream vendors if applicable.
Enterprise buyer takeaways
- Certification plus insurance is on track to become a baseline requirement for mission-critical agents.
- Start with scoped tasks where actions and authority are clearly bounded; expand as controls and telemetry mature.
- Treat logging, evals, and change control as non-negotiable. They reduce loss severity and speed claims resolution.
- Loop risk, legal, and procurement in early. Insurability shortens approval cycles.
Industry signals from the principals
Mati Staniszewski, Co-founder, ElevenLabs: "Enterprise adoption of ElevenAgents is accelerating - and AIUC-1 certification is another step to help companies deploy at scale with confidence. This certification gives our partners the security framework and AI insurance coverage they need - another measure to minimise risk while they focus on building great customer experiences."
Marco Mancini, Security & Safety, ElevenLabs: "At ElevenLabs, trust is at the core of what we do. Safety isn't just a feature - it's foundational to our platform. And now, with our AIUC-1 certification, we're leading the industry in having these guardrails tested and verified against the leading standard."
Rune Kvist, Co-founder & CEO, The Artificial Intelligence Underwriting Company: "AIUC-1 certification was built to address the AI risks that keep enterprises from deploying agents at scale - hallucinations, unauthorised actions, data leakage, security vulnerabilities. It is grounded in technical testing and requires the guardrail that would prevent real-world incidents. Leading insurers are so confident in this certification-based approach that they're offering AI-specific financial coverage to those who earn it. ElevenLabs is the first company to prove this model works at scale."
Practical resources
For context on controls and testing, see the NIST AI Risk Management Framework here and the OWASP Top 10 for LLM Applications here.
Next step
If your team is formalizing AI governance or preparing for certification-backed deployments, explore certification-focused AI learning tracks here.
Your membership also unlocks:
