Armilla vs Counterpart

Armilla offers AI insurance, performance warranties and model assessments, but the insurer—not the brand—takes on policy risk. Armilla describes its insurance operation as an MGA and Armilla Insurance Services as a Lloyd’s coverholder. ^3,1,6Company-reported. Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.

The reviewed corporate record identifies Armilla Insurance Services Inc. but does not establish California insurance authority; verify the licensed producer on your quote. Florida’s registry lists the company as a Delaware corporation. ⁸Verified. Exact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. ¹¹Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

AI developers and companies deploying AI can approach Armilla, which markets to startups and large enterprises; its pages set no minimum revenue or funding stage and do not guarantee a bootstrapped company qualifies. ^6,2Company-reported. Published customer descriptions; no inferred startup eligibility thresholds.

Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. This stated focus does not establish independent eligibility or appetite. ^9,10Company-reported. Current company marketing for U.S. audiences.

If an AI error causes a covered third-party loss, Armilla’s standalone liability brief lists possible areas such as model errors, hallucinations, harmful outputs, agent mistakes, non-breach data leakage, property damage and regulatory proceedings. These are advertised scopes, not confirmation a particular loss or fine is insured. ³Company-reported. Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.

If you promise an AI system will meet a performance target, Armilla Guaranteed is a contractual warranty rather than insurance; Armilla says it funds remedies for missed metrics and may refund the buyer if remediation fails. Its FAQ lists misuse, unauthorized changes and external events as typical exclusions. ^2,4Company-reported. Warranty description, distinct from affirmative AI liability insurance; no executed warranty or issuer agreement inspected.

Counterpart’s current product pages list private-company and not-for-profit D&O, employment-practices, fiduciary, crime, professional/general liability, allied healthcare, architects/engineers/contractors and lawyers liability. Several lines appear only as a component or product-specific feature; availability, eligibility and terms depend on the actual program and policy. ^{9,17,18,19,20,21,22,23,24,25}Company-reported. Current site marketing catalogue checked September 29, 2026. Marketing membership is separate from acceptance of a three-claim line-comparison offering.

Expect an AI risk assessment before Armilla proposes insurance or a warranty; its site directs buyers to contact the team, and coverage requires written confirmation and completed underwriting. ^2,1Company-reported. Published process, not a submitted application, quote, binding test or promised turnaround.

A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. ^14,9,13Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. ¹⁵Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.

Armilla says buyers begin with an AI risk assessment before it customizes an insurance or warranty proposal. Confirm the assessment deliverables, monitoring and retesting terms in the proposal. ²Company-reported. Initial assessment described on the AI insurance page; reviewed evidence does not establish specific assessment deliverables, monitoring or retesting terms.

Price monitoring and retesting separately unless the proposal includes them: reviewed pages do not explain insurance renewal or whether ongoing model monitoring is included in premium. ^5,2Not publicly disclosed. Limited to public product and assessment pages reviewed September 16, 2026.

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. ¹⁶Company-reported. Company-described professional-liability broker service.

Request an itemized premium, assessment price and broker or policy charges: Armilla advertises broker commissions without rates and its general terms permit service fees without an insurance-specific schedule. ^6,7Company-reported. Public broker compensation and generic website fees, not a policy-specific compensation disclosure. Company-reported commission model; amounts unresolved.

Counterpart’s license disclosure says its subsidiary may receive compensation from an insurer or intermediary and that commissions or fees are set by the underwriting insurer. The reviewed disclosure does not state the amount applicable to a particular buyer or quote. ¹¹Company-reported. Provider-published disclosure, no buyer-specific amount.