Clinical AI is making mistakes. Nobody has priced the risk.
Hospitals and their malpractice carriers already carry clinical AI liability, and neither has the expertise to price it. Idem Labs is the specialist that assesses clinical AI on each hospital's own patients and, with underwriting partners, insures what passes.
Clinical AI liability is covered by default and rated by no one.
Malpractice policies cover AI because nothing excludes it, at rates set on loss history from before these tools existed. We have not found an MPL carrier with an AI-specific endorsement, and no one yet holds the loss data to price one.
"No carrier is pricing AI risk with precision, including us, because there's not yet credible loss data."
MPL insurtech CEO, September 2026
AI is making clinical mistakes where adoption is fastest.
81% of US physicians use AI at work, and 71% of US hospitals run predictive AI inside the EHR. Much of it was activated during an EHR upgrade, not procured.
When Ontario's Auditor General tested the 20 AI scribes approved for clinical use in the province, every one produced errors in the medical record. Nine fabricated content. Twelve recorded a different drug than the one prescribed.
Health systems and carriers hold the risk. Neither has the expertise to handle it.
Health systems run generative AI they never tested on their own patients, with no staff or budget to validate it.
Malpractice carriers are adding AI questions at renewal, but MPL actuaries price clinician and hospital losses, not model behavior. Few policies say how AI fits the coverage. Meanwhile the rest of the insurance market is writing AI out: Verisk ISO generative AI exclusions took effect in general liability in January 2026.
One specialist that assesses and insures clinical AI.
- 01 Inventory Every clinical AI tool the hospital runs, including EHR features switched on by default.
- 02 Validate Performance on the hospital's own patients and workflow, against pass and fail criteria agreed before testing starts.
- 03 Tier A, B, C, or decline, against a published standard. A named clinician signs the finding.
- 04 Cover Coverage priced on the tier, backed by our underwriting partners, and revalidated every policy term.
One specialist loop costs less than every carrier building clinical AI expertise on its own, and hospitals get coverage tied to the AI they actually run.
Coverage built for how clinical AI fails.
Fabricated content that ends up in the medical record, like a symptom the patient never reported or a history that never happened.
A different drug than the one prescribed, a missed finding, a dropped allergy, or a summary that leaves out what mattered.
Performance that changes after a vendor update or as the patient mix shifts, caught by revalidation every policy term.
Error rates that climb for specific patient groups the vendor never tested on.
Final terms, limits, and exclusions are set in the policy form with our underwriting partners.
Cyber shows how this market grows, and who wins it.
Cyber risk sat silently inside property and liability policies until insurers wrote it out. Carriers did not build cyber expertise in-house. They backed specialists that assess and insure risk in one loop. Allianz invested in Coalition and gave it long-term capacity. Munich Re backed At-Bay and agreed in August 2026 to buy it for $575M. Travelers bought Corvus.
US cyber premium grew 3.8 times from 2017 to 2023. Clinical AI sits on top of a $12.5B US malpractice market and is at the exclusion stage now.
We don't sell AI, and no vendor pays for a hospital's result.
Idem has no AI product to sell and no implementation revenue. Vendor certifications are separate engagements, and a vendor never pays for, sees in advance, or influences a hospital's result. The standard we test against is published.
Who we work with
Partner with a specialist instead of building clinical AI expertise in-house.
Back a program built on the data your MPL treaties are missing.
Validation of the AI you already run, tied to coverage.
Independent certification against the standard your buyers' coverage is priced on.
Who we are
Idem Labs was founded in 2026 by Matt Allison and Josh Ward Ph.D.
Matt Allison directs AI Products and Regulatory Strategy at Quest Diagnostics, where he launched the company's first patient and provider facing GenAI products and built the evaluation, red team validation, and post-launch observability programs that govern them. He spent twenty years before that in clinical quality and audit, including HITRUST certification, NCQA Population Health accreditation, and audit oversight of Novo Nordisk's Wegovy and Ozempic patient support programs. Idem is structurally separated from Quest by documented firewall.
Josh Ward earned his PhD in Statistics from UCLA, where his research focused on the design and analysis of trustworthy AI systems. He has worked as an AI researcher at Amazon, the Food and Drug Administration, Accenture, and the University of Utah School of Medicine, designing AI systems that serve millions of users across consumer search, federal regulatory infrastructure, and clinical decision support.
Read the evidence.
Then let's talk.
The June 2026 white paper documents what EHR-native AI features are doing in the medical record and what your organization is on the hook for.