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You build models, products and services that customers rely on. Your insurance review should start with what the technology does, how people use its output and the promises you make in your contracts—not simply the label ‘AI company.’
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Coordinated coverage
Discuss customer allegations that an error, failure or negligent service caused financial loss. Review whether the definition of covered services accurately describes your models, integrations and implementation work.
Explore coverage →Review data access, security incidents, privacy allegations and available response services. Cyber and technology E&O address different exposures; coordinating them can help identify gaps and overlapping responsibilities.
Explore coverage →Training data, licensed content and generated output can create disputes. Ask exactly which copyright or other IP allegations are addressed, and which are excluded. Patent, trade-secret and contractual indemnity exposures need separate scrutiny.
Funding, board oversight, hiring and workforce changes can introduce D&O and EPLI exposures. Review insured entities, investor requirements, exclusions and whether defense costs reduce available limits.
Explore coverage →Illustrative scenarios
A customer alleges your AI-enabled workflow made an error that disrupted its business. The role of your service, the claimed loss, contractual promises and exclusions all affect the coverage review.
An integration exposes information a customer entrusted to you. Discuss incident response, privacy liability, vendor responsibility and contractual notice duties before an event occurs.
A rights holder challenges content used in a product or generated by it. Review media and IP provisions rather than assuming a technology E&O policy covers every infringement allegation.
These examples are discussion points, not promises of coverage.
Policy review
Quote preparation
Start with what you have. Keep confidential records, credentials and sensitive personal data out of the initial inquiry form.
Contracts first
Share customer insurance requirements and exact endorsement wording before quoting or binding. Insurer approval, additional premium or revised contract terms may be needed. A certificate does not change your policy.
Common questions
AI-related risks can span several policies. The appropriate structure depends on your activities and the available terms. A product name alone does not establish that a particular AI use or loss is insured.
Not automatically. A customer’s financial-loss allegation about product performance may raise technology E&O questions, while a data breach raises cyber and privacy questions. Review the policies together.
No. Eligibility and proposed terms depend on underwriting, and coverage for a claim depends on the facts and actual policy wording. Share high-impact or regulated uses at the beginning of the review.
Before signing a significant customer contract, launching a new use case or completing a funding transaction. Early review gives you time to identify information requests and discuss terms without assuming an insurer will accept every requirement.
Related guidance
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Tell us about your operation and deadline. We review the information needed for market submissions, then help you compare available terms, limitations and next steps.
Relationships come before policies.
General information only. Availability and terms depend on underwriting. Coverage for any claim depends on the facts and the actual policy terms, conditions, exclusions and endorsements. Submitting an inquiry does not bind or change coverage.