AI Shield Coverage
A laptop at night protected by a glowing holographic shield carrying the AI Shield logo

AI Shield Coverage

Protection for the age of AI hacking

AI has made hacking cheaper, faster and more convincing. We help businesses, freelancers and families understand their AI-era risks and connect them with licensed cyber insurance carriers.

For businesses, freelancers and families · North Carolina and across the US

Why now

AI scams now sound like your boss, your vendor or your bank.

AI writes flawless phishing emails, clones a voice from seconds of audio, and fakes video calls. Businesses and families are prime targets because they rarely have IT staff.

Voice-clone & deepfake scams

"It's me. Wire the deposit today."

A fake call from "the owner" asking for a wire transfer.

AI phishing

Perfect-grammar emails that steal logins and payments.

Ransomware & data breaches

Locked files, stolen customer data, downtime.

Typical cover, varies by policy

What cyber insurance can cover.

Tap any item to see what it looks like for a small business.

After an attack

Money and extortion

Ask for it by name.

Legal

Coverage, limits, and exclusions vary by carrier. Always read the policy and ask specifically about AI-driven social-engineering and deepfake fraud.

Data breach response and customer notification

What it is
Paying for forensics, legal notices, call centers and credit monitoring after customer data is exposed.
For a small business
A salon's booking app is hacked and client names, phones and card details leak. Every client must be notified by law.

Coverage varies by policy.

Restoring data and systems

What it is
Costs to recover files, rebuild computers and get software running again.
For a small business
A caterer's laptop is locked by ransomware the week before a big wedding, and menus, contracts and invoices have to be rebuilt.

Coverage varies by policy.

Business interruption and lost income from an attack

What it is
Replaces income you lose while you're shut down by an attack.
For a small business
A tattoo studio's booking and payment system goes down for days, and appointments are cancelled.

Coverage varies by policy.

Ransomware and extortion

What it is
Expert negotiators and, where legal, the ransom or extortion payment.
For a small business
A freelancer gets an email: "We have your client files. Pay or we publish them."

Coverage varies by policy.

Funds transfer fraud and social engineering Often an add-on

What it is
Money tricked out of your account by a fake boss, vendor or bank, including AI voice clones and deepfakes.
For a small business
A "vendor" emails new bank details and a caterer pays the next $3,000 invoice to a scammer.

Coverage varies by policy.
What it is
Lawyers and court costs if customers or partners sue after a breach.
For a small business
Clients sue an online seller after their payment info is stolen from its store.

Coverage varies by policy.

Regulatory fines where insurable

What it is
Government fines and penalties for data-privacy violations, where the law allows them to be insured.
For a small business
A consultant holding client health or financial data faces a state privacy penalty after a breach.

Coverage varies by policy.

Four steps from concerned to covered.

04

Protected

Lock in protection

Plus simple habits that lower your risk, and often your premium:

  • Multi-factor authentication
  • Backups
  • A call-back rule for any payment change
← Back to How It Works

Step 02 · Your answers

Tell us about you.

About 5 minutes. Works on your phone.

Section 1 of 10Who is this for?

Who is this for?
Pick one *

Your answers stay on this page until you send them. Nothing is saved.

← Back to How It Works

Step 03 · Quotes

How matching works.

01

Review

We review your answers.

02

Match

We pass them to a partner that fits your size and needs.

03

Compare

A licensed agent or carrier contacts you with quotes.

You compare and decide. No obligation.

Prefer to get a quote yourself now?

NEXT Insurance

Small businesses, fast online quotes.

nextinsurance.com

Hiscox

Small businesses and freelancers.

hiscox.com

Embroker

Startups and growing companies.

embroker.com

Thimble

Short-term and flexible policies.

thimble.com

AI Shield may earn a commission from partners at no cost to you.

Larger business or corporation?

Bigger programs need a specialist. Tell us what you need and we'll point you the right way.

Talk to us

← Back to How It Works

Step 04 · Protected

Lock in protection.

Simple habits that lower your risk, and often your premium.

Turn on multi-factor authentication
  • Start with email, bank, payment apps and social accounts.
  • Use an authenticator app over text codes when offered.
  • Save backup codes somewhere safe.
Back up your data

Follow 3-2-1:

  • 3 copies of your data,
  • in 2 different places,
  • with 1 offline or in the cloud.

Test a restore every few months.

The call-back rule

Never change payment details from an email, text or call alone. Hang up and call back on a number you already have.

"Thanks, I'll call you back on the number we have on file to confirm."

Set a safe word

Agree on a family or team code word for any urgent money request. Voice clones can't know it.

Keep software updated

Turn on automatic updates for phones, computers and your POS or booking apps.

Ask your insurer by name

"Does my policy cover social-engineering and deepfake fraud, and what's the limit?"

Get the checklist

Protection at every size.

From families to corporations.

Individuals & Families

Personal cyber protection, often an add-on to home or renter's insurance. For voice-clone "family emergency" calls, account takeovers and identity fraud.

Small Businesses & Solo Pros

  • Consultants, freelancers and solo professionals
  • Caterers, event and hospitality businesses
  • Tattoo studios, salons and beauty pros
  • Online sellers and creators
  • Any small business that takes payments or stores customer info

Online quotes in minutes from carriers that serve small businesses.

Corporations & Larger Businesses

For companies with finance teams, multiple locations or large customer databases. Deepfake executive and vendor-payment fraud, ransomware, and data breaches at scale.

Larger programs usually run through a specialist broker, with higher limits and staff training.

Talk to us

Free · the full checklist

The AI Scam Readiness Checklist.

All seven habits, right here. Most take a few minutes.

  • Turn on multi-factor authentication Email, bank and payment appsDo first
  • Set a family or team "safe word" For any urgent money request
  • Always call back on a known number Before changing payment details
  • Back up files weekly To a separate place
  • Use a password manager
  • Train everyone to pause On urgent, emotional requests
  • Review your insurance For social-engineering / funds-transfer fraud coverage

Questions? Email aishieldcoverage@gmail.com

Questions people ask.

Are you an insurance company?

No. AI Shield Coverage is an education and referral resource. Quotes and policies come directly from licensed insurance carriers and agents.

Does it cost anything to use AI Shield?

No, our checklist and guidance are free.

Does regular business insurance cover AI scams?

Often not. Many general policies exclude cyber losses, and social-engineering fraud is frequently a separate add-on.

How much does cyber insurance cost?

It depends on your business size and industry. Small businesses can often find basic coverage starting around $30/month, but get a real quote.

Questions, or want the checklist?