Coalition has added a Deepfake Response Endorsement to its cyber insurance policies in major markets, as businesses report growing concern about AI-generated impersonation and reputational attacks.
The endorsement is available in the United States, the United Kingdom, Canada including Quebec, Australia, Germany, Denmark, Sweden, and France. It sits within Coalition’s existing cyber policies and broadens what incidents can trigger a response.
Coalition describes itself as an Active Insurance provider that combines cyber cover with security tools and incident support. The company works with a panel of insurers and capacity providers in North America, Europe, and Australia.
Deepfakes use artificial intelligence to create audio or video that imitates a real person. Security and legal advisers say such content can damage corporate brands, move markets, or mislead staff and customers.
Coalition said its new endorsement focuses on incidents in which malicious deepfakes target a company, its executives, or its staff. It said this includes fabricated CEO videos that contain inflammatory remarks, or clips that falsely show an employee criticising products in a way that could affect a company’s share price.
“Businesses can do everything right-lock down networks, ignore fraudulent funds transfer requests, comply with privacy laws-only to have their reputation damaged by a deepfake,” said Tiago Henriques, Chief Underwriting Officer, Coalition. “Coalition’s Deepfake Response Endorsement helps businesses respond to and recover from these potentially damaging situations with specialized technical, legal, and reputational support.”
The endorsement extends the types of incidents that Coalition will treat as covered cyber events. It also adds a defined package of response services for deepfake cases.
Deepfake services
Coalition said the endorsement includes access to technical analysis by a deepfake forensics firm. The firm will provide a written report on the suspected deepfake. That report can support corporate decision-making, regulator engagement, or legal action.
The cover also includes legal work aimed at removal of malicious content. Lawyers can file takedown requests and engage with platforms that host the deepfake material.
The package adds crisis communications support from a public relations firm. Communications advisers can work on messaging for employees, customers, investors, and media as a deepfake incident unfolds.
These response services sit alongside existing cyber incident support that Coalition offers across its portfolio. Its broader cyber proposition includes access to threat intelligence, incident response professionals, and digital risk tools through its Coalition Control platform.
Evolving threat
Insurance brokers and corporate risk managers have raised concerns about the speed of change in AI-generated media. They report that faked audio and video are now harder for non-specialists to detect and can spread rapidly online.
Coalition said its endorsement is designed for this shift in risk. It said brokers can now offer clients specific protection for deepfake incidents under one policy structure.
Michael Phillips, Head of Cyber Portfolio Underwriting at Coalition, said many clients are asking about deepfake events as part of their cyber risk reviews.
“Cyber insurance is designed to respond to evolving digital risk. As new risks like deepfakes arise, they become more sophisticated and tricky to spot. It’s crucial for businesses to feel confident that they have a partner who can help them recover from a damaging incident,” said Michael Phillips, Head of Cyber Portfolio Underwriting at Coalition. “Our Deepfake Response Endorsement provides clarity around what support would be provided to mitigate the damaging impact of AI-generated impersonations.”
The endorsement forms part of a wider trend in cyber insurance. Insurers are adjusting wordings and adding endorsements that focus on business email compromise, ransomware, and data extortion.
Deepfakes sit at the intersection of cyber security, media law, and brand management. Many organisations lack in-house expertise in all three areas, which has led them to seek packaged legal, forensic, and communications services.
Coalition said its endorsement responds to this gap by bundling those services under its cyber cover. It said the aim is quicker access to external specialists once an incident is reported.
The company distributes its products through brokers in its target markets. It said brokers can now include the deepfake wording as part of new and renewal cyber placements, subject to underwriting criteria and local regulation.
Coalition plans further development of its cyber products as AI-generated threats evolve across its markets.