AI companies
Insurance for AI companies
For startups building models, AI-native products, agents, and automation. Get the program right early, so it holds up as you scale.
Model output vs. contract terms
Model response
Confidence 0.82
AI-specific wording on these forms is changing. We read the policy against what your contracts promise.
Who this is for
Model developers, AI-native applications, AI agents and automation platforms, and AI implementation consultancies. If you're a software company that's added AI features, see Software and SaaS.
First look
What your model outputs can cost a customer, where your training data came from, and what your contracts promise about both.
Where programs go wrong
Four places a AI program usually comes up short
Output your customers rely on
When a customer acts on what your model produces and it's wrong, the claim looks like technology E&O. AI-specific wording on these forms is changing, so whether your policy treats AI output as a covered service deserves a line-by-line read.
Training data and IP
Copyright and data rights claims over training data and model output are an active area. How your media and IP coverage is worded matters more for you than for most software companies.
What your contracts promise
Enterprise customers are adding AI-specific terms: accuracy commitments, limits on data use, and indemnity for IP claims. Those promises can reach past what your E&O covers.
Growth that outruns the program
A priced round brings a board and investor expectations, so D&O moves up the list. Fast hiring brings remote employees in new states, and with them comp and employment questions. The program you bought at seed rarely fits at Series A.
Coverage that matters most
- Technology E&O
- Cyber
- Media and IP
- Directors and officers
- Employment practices
- Workers' comp for remote teams
Common questions
What insurance does an AI startup need?
Most start with technology E&O and cyber, because those are what enterprise customers ask for first. D&O follows once you take outside capital, and employment practices and multi-state workers' comp come with a growing remote team.
Does technology E&O cover AI errors?
It depends on the wording. AI-specific wording on these forms is changing, so the policy's definition of covered services and any AI-related language need a close read against what you actually sell.
When should an AI company buy D&O?
Usually before or alongside your first priced round. Investors and board members often expect it, and it's simpler to put in place before there's a dispute.
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