Does Tech E&O Cover AI Errors?
It depends on the policy and facts; an AI output error is not a standalone coverage promise, even if it leads to a covered services claim.
A hallucinated output could matter if a customer alleges that your AI-enabled product or service failed to perform as promised and caused covered loss. That applies general technology E&O principles; it is not a guarantee that AI claims are covered. The Hartford’s public description discusses errors and failures in technology products and services but does not settle every AI risk. Identify whether you develop models, resell a third-party model, provide AI-generated advice, or integrate AI into client work. Ask for any AI exclusion or endorsement, professional-services schedule, IP and privacy provisions, and treatment of human review, known limitations, and contractual warranties. Disclose AI use accurately in the application.
Ask whether the form excludes automated decisions, model-training data, or outputs generated by a third-party platform. Get the answer in an endorsement or written underwriting response.
Related Coverage
Sources
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-25.
- Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; Coverage; Works With Contracts; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-25.
