AI & Machine Learning Company Insurance Coverage Checklist
The coverages an ai & machine learning company business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for companies building and selling AI models, agents, and AI-powered software. Priorities reflect typical exposure for this class; confirm against your actual products and customers.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Technology E&O | Covers customer claims that your AI was wrong, failed, or caused a loss — confirm AI is not excluded. | Core | |
| Cyber Liability | Covers breaches of training data, customer data, and model weights; watch for AI sublimits. | Core | |
| Intellectual Property / Media Liability | Covers copyright and trademark claims over training data and outputs, where available. | Core | |
| Directors & Officers Liability | Covers investor and regulator suits — some D&O forms now carry absolute AI exclusions. | Core | |
| General Liability | Covers office premises; new ISO endorsements can exclude AI-related injury. | Prevalent | |
| Employment Practices Liability | Covers claims from staff in a competitive hiring market. | Prevalent | |
| Affirmative AI Liability | Specialty coverage for AI output and agent failures, tied to governance evidence. | Situational | |
| Products Liability | Covers AI in robots, vehicles, or devices that can cause physical harm. | Situational | |
| Crime / Social Engineering | Covers deepfake and impersonation fraud against your own funds. | Situational |
The coverage gap most often missed
The gap most often missed by AI companies is the AI exclusion itself. Since 2026, ISO generative-AI endorsements can remove AI-related injury from general liability, some carriers apply absolute AI exclusions to D&O and E&O, and cyber policies may cap AI losses at a fraction of the limit. Ask each carrier in writing whether AI outputs, training data, and agents are covered, and consider affirmative AI coverage for the gaps.
Send us the checklist and we'll review your ai & machine learning company coverage line by line, then market it across multiple carriers that compete for your account.
Related: AI & Machine Learning Company Insurance · AI & Machine Learning Company Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an ai & machine learning company business need?
The core coverages for an ai & machine learning company business are Technology E&O, Cyber Liability, Intellectual Property / Media Liability, Directors & Officers Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my ai & machine learning company coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.