AI insurance, for the
businesses already using it.

When an AI system produces wrong information, fabricated citations, or incorrect outputs that cause a client to suffer financial harm. Critical for any professional service firm using AI in deliverables: legal, accounting, consulting, financial advisory.

Claims that an AI system produced discriminatory outcomes in hiring, lending, pricing, or service delivery. EEOC and state agencies are increasingly scrutinizing AI-driven decisions. Florida employers using AI screening are exposed.

Claims that AI-generated content infringes copyrights, trademarks, or training data licenses. Particularly relevant for marketing agencies, design firms, and content producers using generative AI in client work.

Prompt injection attacks, adversarial AI attacks, model poisoning, and data exfiltration through AI systems. Distinct from traditional cyber attacks and often outside standard cyber policy coverage.

Coverage for regulatory inquiries and penalties under emerging AI laws: state-level AI regulations, EU AI Act for Florida companies with EU customers, sector-specific rules (healthcare AI, financial AI).

Claims arising from how AI systems use, process, or store personal information. Important under California CCPA, Florida's data privacy framework, and emerging state-level AI privacy rules.

Using ChatGPT, Claude, or other AI tools to draft client deliverables, summarize documents, conduct research, or generate analysis. Hallucinations and wrong outputs can produce malpractice exposure. Existing professional liability may have AI exclusions.

Generating images, copy, or design assets with AI tools for client work. IP infringement claims from training data, copyright issues, and brand-similarity claims are real exposures. Standard E&O often does not address them.

AI-driven resume screening, video interview analysis, or automated assessments. EEOC has issued guidance making employers liable for discriminatory outcomes from third-party AI tools. EPLI may not extend to all AI decision-making.

AI-assisted diagnosis, clinical decision support, automated scheduling, and AI-driven patient communications. Significant medical malpractice and HIPAA exposure when AI is in the workflow. Standard medical professional liability may not cover all AI scenarios.

Companies embedding AI into their products and services. Tech E&O policies need specific AI extensions to cover end-user claims about AI outputs, model performance, and AI-related security incidents.

AI-driven underwriting, credit decisions, robo-advisory, and algorithmic trading. Heavy regulatory scrutiny and fair lending exposure. Need carefully structured coverage that addresses both regulatory and customer-driven claims.