Mayflower and Hadron Launch the First Dedicated Affirmative AI Liability Program in the US Market
Mayflower Specialty, Ltd., a New York-based managing general agent, and Hadron, a multinational specialty carrier modernizing the delegated authority market, today launched the first dedicated affirmative artificial intelligence liability program in the United States. Issued by Hadron and underwritten by Mayflower, policies provide explicit coverage across the full management-liability triad: directors and officers (D&O), employment practices liability (EPL), and errors and omissions (E&O) for enterprise companies deploying AI.
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With 88 percent of organizations now using AI in at least one business function, according to McKinsey's 2025 State of AI report, existing insurance policies have not kept pace. Most were written before enterprise AI existed and are silent on AI-specific risks or actively exclude them. As SEC disclosure requirements for AI risk harden, board directors and executives face personal liability for AI governance decisions that existing coverage does not address.
