Train the Model. Underwrite the Unknown.
Protecting the companies building artificial intelligence
AI and machine learning companies ship products that make decisions, generate content, and act with a degree of autonomy no traditional software had — and that autonomy is the whole insurance problem. When a model produces a wrong answer, a biased outcome, or a confident fabrication that a customer relies on, the resulting loss lands on the company that built it, and the claim doesn't fit neatly into a standard technology policy. The training data raises copyright and intellectual-property exposure that is actively being litigated. Bias and discrimination claims attach when a model's outputs affect hiring, lending, or access. And because these are often fast-growing, venture-backed companies, management-liability and IP exposure ride alongside the product risk.
Insuring an AI company is about covering a product that acts on its own and a field the law is still writing.
Key Risks in Operations
Technology errors and omissions when a model's output causes customer loss
Algorithmic bias and discrimination claims from model outputs
Hallucination and incorrect-output liability when customers rely on the product
Intellectual-property and copyright exposure from training data and outputs
Data privacy and security exposure across large datasets
Professional-services exposure from model development and integration
Directors-and-officers and investor exposure in a fast-scaling company
The model's autonomy turns ordinary software risk into something new.
Core Coverages
Technology Errors & Omissions — Covers claims that the product failed, produced a wrong or harmful output, or did not perform as promised — the core coverage for this class.
Cyber & Privacy Liability — Responds to data breaches and privacy claims across the large datasets AI companies hold.
Intellectual Property / Media Liability — Addresses copyright and IP claims arising from training data and generated outputs.
Media / Content Liability — Covers claims from content a generative model produces.
General Liability — Protects against third-party injury and property damage in operations.
Directors & Officers Liability — Covers leadership and investor exposure in a venture-backed company.
Employment Practices Liability, Workers' Compensation, Umbrella / Excess Liability — Round out the program for a growing team and larger limits.
What's Commonly Overlooked
AI and machine learning programs are often weakened by:
Tech E&O that excludes AI-generated outputs or algorithmic decision-making
No coverage for bias and discrimination arising from model outputs
IP and training-data exposure left unaddressed as litigation evolves
Media and content liability overlooked for generative products
D&O missing despite venture funding and rapid scaling
These gaps typically surface at claim time — not before.
A model's wrong output causes a customer a financial loss
A biased result in hiring or lending triggers a discrimination claim
A rights holder sues over training data or generated content
A generative output defames or infringes and a media claim follows
A data breach exposes a large training or customer dataset
A single reliance or IP claim can outrun a startup's standard tech policy.
Why Proper Placement Matters
Coverage varies significantly based on:
Whether the product is generative, predictive, or decision-making
How the model is trained and what data it uses
The industries and decisions the product influences
Professional-services and integration work performed
Funding stage and governance
Improper placement can leave the model's outputs — the actual product — uninsured.
Our Approach
At Cory Washington & Co., we insure AI companies around what makes them different: tech E&O written to include model outputs and algorithmic decisions, with IP, media, cyber, and D&O coverage around the rest. For related technology businesses, see our technology company, technology E&O, and web and app development pages.
Build the model. We'll underwrite the unknowns around it.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages an ai & machine learning company business may carry — core, prevalent, and situational — plus the gap most often missed, in the AI & Machine Learning Company Coverage Checklist.
Complete the AI & Machine Learning Company Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get ai & machine learning company insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate ai & machine learning company insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How much does ai & machine learning company insurance cost?
Premiums vary from business to business. The main drivers of ai & machine learning company insurance pricing are the nature of your operations, your revenue and payroll, your loss history, and the limits you carry. Rather than quote a flat figure, we negotiate across several markets and walk you through the options, so you only pay for the protection you actually need.
Who needs ai & machine learning company insurance?
Whether ai & machine learning company insurance is strictly required depends on your state, your contracts, and your lenders or clients. Even where it is not mandatory, going without it can leave serious financial gaps. We assess your exposure and any contractual requirements, then structure coverage that meets both.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
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