---
title: "What Insurance Covers AI Companies?"
description: "AI coverage depends on whether you build models, sell software, consult, process data, or use third-party models; technology E&O, cyber, media, and IP policies address different risks."
canonical: "https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-ai-companies"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Insurance Covers AI Companies?

AI coverage depends on whether you build models, sell software, consult, process data, or use third-party models; technology E&O, cyber, media, and IP policies address different risks.

Technology or professional E&O may address customer claims over service errors, cyber can address specified security and privacy events, and media or IP cover may address content and rights disputes.

Ask insurers to map each product and service to the relevant policy and identify overlaps and exclusions. The NAIC treats cyber and IP as distinct liability categories, and Texas DOI describes professional liability as covering claims arising from professional services; use those distinctions to frame your application.

## Related Questions

- [What Insurance Covers AI Errors and Hallucinations?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-ai-errors)
- [What Insurance Covers Software Errors and Coding Mistakes?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-software-errors)
- [What Insurance Covers Intellectual Property Lawsuits?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-ip-lawsuits)

## Related Coverage

- [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions)
- [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions)
- [Cyber liability](https://spot.insure/coverage/cyber)
- [Intellectual property](https://spot.insure/coverage/intellectual-property)
- [Media liability](https://spot.insure/coverage/media)
- [General liability](https://spot.insure/coverage/general-liability)

## Sources

1. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-25.
2. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages does it cover?; claims-made and occurrence policies. Accessed 2026-09-25.
3. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Other types of business liability insurance. Accessed 2026-09-25.
4. [Intellectual property insurance](https://www.cfc.com/en-us/products/class/intellectual-property/). CFC; Opening; Key features; Defense; Pursuit of infringers; Contractual indemnity. Accessed 2026-09-25.

More answers: [What Insurance Covers FAQ](https://spot.insure/insurance-faq/what-insurance-covers).

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