Get Started

Armilla vs Resilience

Compare Armilla AI liability and contractual performance warranties with Resilience cyber and technology E&O for an AI vendor.

Introduction

An AI vendor can face two very different requests: insure harm caused by its software, and guarantee that the model achieves agreed results. Armilla offers both AI liability insurance and a separate performance warranty. Resilience's technology E&O and cyber offering belongs in the insurance discussion, but should not be assumed to promise model performance. Define the obligation before comparing limits. 2 4 12

Where Each Provider Shines

Where Armilla Shines

  • Dedicated liability coverage for AI model and agent failures 3
  • Model assessments with remediation support and optional retesting 5

Where Resilience Shines

  • Technology E&O for software, hardware and technology services 12
  • Financial risk prioritization and multi-entity cyber visibility 16,17

Coverage Comparison

Coverage TypeArmillaResilience
Cyber liabilityNot listedListed 11
Generative AI liabilityListed 3Not listed
Technology errors and omissionsNot listedListed 12

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between Armilla and Resilience

A Performance Warranty Changes the Comparison

Armilla Guaranteed is a contractual performance warranty, not an insurance policy. Armilla says it funds remedies for missed agreed metrics; its FAQ describes a buyer refund when the issue cannot be resolved and identifies misuse, unauthorized changes and external events as typical exclusions. 2,4

For a vendor negotiating an accuracy commitment, ask who receives a remedy, how the benchmark is measured and what happens if the model fails to improve. That contractual analysis is distinct from whether an insurer defends a third-party claim. Armilla's descriptions of hallucinations, harmful outputs and agent-related liability belong to its insurance offering; they do not make the warranty an insurance policy. 3 4

Resilience markets technology E&O for technology services, software and AI businesses. Its public product description does not establish that a negotiated performance guarantee is insured. Send the proposed guarantee to the underwriter instead of relying on the technology category alone. 12

Model Testing and Security Investment Answer Different Questions

Armilla's assessments address model performance, fairness, security and robustness, with possible monitoring and retesting. Resilience's Edge offering addresses financial prioritization of cybersecurity spending. A vendor concerned about unreliable outputs may need different evidence from a finance team choosing security controls. Neither service description establishes the other's deliverables or that every service is included in premium. 5 16

Resilience explicitly separates buying insurance from buying security services. Armilla's standard renewal and monitoring inclusions remain undisclosed in the reviewed material; obtain the actual service scope alongside the proposed policy or warranty. 10

The reviewed assessment and insurance pages do not disclose insurance renewal procedures or whether ongoing model monitoring is included in the premium. Optional assessment support should be priced and scoped separately in the proposal. 5,2

Follow Each Promise to Its Legal Counterparty

Armilla describes an MGA and Lloyd's coverholder role with surplus-lines distribution, rather than being the risk-bearing insurer. Named backing partners do not identify the exact syndicate or establish direct warranty rights for the buyer. Resilience names Homeland insurer alternatives for US placements, but the applicable California form and route still need confirmation. 3 4 10

What to Confirm in Quotes

Use three concrete scenarios: an incorrect model output causes customer loss; a cyber incident interrupts the service; and the model misses an agreed benchmark without a third-party claim. Ask which document responds to each, who pays, what exclusions apply and what assessment or notice conditions must be met. Confirm California placement authority and exact insurance issuers separately from the warranty counterparty. 2 4 11 12

Service Comparison

Armilla vs Resilience: documented services and availability

CriteriaArmillaResilience
Business role

Armilla markets AI liability insurance, performance warranties and model assessments. It describes its insurance operation as a managing general agent (MGA), an intermediary with underwriting responsibilities, and names Armilla Insurance Services as a Lloyd’s coverholder. These descriptions do not make Armilla the risk-bearing insurer. 3,1,6

Florida’s corporate registry lists Armilla Insurance Services Inc., a Delaware corporation. This establishes a corporate identity, not an insurance license or authority to place a California risk. 8

Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. 9,11,12

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. 10

Coverage lines

Armilla’s standalone AI liability brief lists model errors and hallucinations, harmful outputs, agent mistakes, non-breach data leakage, third-party property damage and AI-related regulatory proceedings as sample coverage areas. These are advertised scopes, not confirmation that a particular loss or fine is insured. 3

Armilla Guaranteed is a contractual performance warranty, not an insurance policy. Armilla says it funds remedies for missed agreed metrics; its FAQ describes a buyer refund when the issue cannot be resolved and identifies misuse, unauthorized changes and external events as typical exclusions. 2,4

Resilience advertises cyber coverage on primary and excess placements, with limits up to $20 million. Its product page describes privacy wrongful acts and eCrime, with eCrime limits up to $500,000; the quote must confirm applicable sublimits and conditions. 11

Resilience markets technology E&O for liability arising from technology businesses and advertises $10 million limits for US primary and excess placements. 12

Access to insurers

Armilla names certain underwriters at Lloyd’s for its affirmative AI liability insurance. Its product brief also names Chaucer, Axis Capital and Convex as backing partners, without identifying the contracting insurer or syndicate for an individual quote. 1,3

The warranty brief names Chaucer Group, Greenlight Re and Swiss Re as backing partners. It does not identify the legal warranty issuer, the buyer’s direct rights against a backing insurer, or a California-specific warranty contract. 4

Resilience’s US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriting insurers. It does not specify which would issue a particular California quote. 10

Application process

Armilla’s insurance FAQ says to begin with an AI risk assessment, followed by a tailored insurance or warranty plan. The site directs buyers to contact its team; coverage requires written confirmation and completion of underwriting requirements. 2,1

Resilience presents insurance to brokers through a dedicated broker page and offers a public contact route for product inquiries. The reviewed pages do not document an end-to-end self-service purchase or a guaranteed quote or binding time. 13,15

Sources

Armilla Official Website

  1. Armilla: AI Insurance. Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16.
  2. AI Insurance – Lloyd’s Coverholder | Armilla AI. Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16.
  3. Armilla AI Insurance Brief. Armilla; MGA introduction; Tailored Protection for AI Pioneers / Sample Coverage Areas; Industry Protection. Accessed 2026-09-16.
  4. AI Performance Warranty Brief. Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16.
  5. Armilla Assessments: AI Verification & Red-Teaming. Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16.
  6. Armilla for Brokers: Specialized AI Coverage. Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16.
  7. Armilla Terms of Service. Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16.
  8. Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.. Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598 (corporate registration, not insurance licensing). Accessed 2026-09-16.

Resilience Official Website

  1. Home Page. Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
  2. Disclaimer. Resilience; Opening paragraphs and USA jurisdiction disclosure. Accessed 2026-09-16.
  3. Cyber Insurance. Resilience; Why choose cyber insurance; Policy coverage; Broad market appetite. Accessed 2026-09-16.
  4. Technology E&O. Resilience; Technology risk categories; Key benefits / A Broad Market Appetite. Accessed 2026-09-16.
  5. Brokers. Resilience; Broker benefits; Use cases; Insurance & risk solutions. Accessed 2026-09-16.
  6. Claims & Incident Response. Resilience; Our difference; Support from start to resolution; Claims panel. Accessed 2026-09-16.
  7. Contact Us. Resilience; Contact us; emergency claims instructions. Accessed 2026-09-16.
  8. Security Investment Prioritization. Resilience; Resilience Edge introduction and Key benefits. Accessed 2026-09-16.
  9. Multi-Entity & Portfolio Risk. Resilience; Resilience Arc introduction. Accessed 2026-09-16.
  10. Terms and Conditions. Resilience; Opening website agreement; separate written agreements. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

Suggested Comparisons

All Comparisons

Let Spot Handle the Insurance Legwork.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot