Two different starting questions
Cyber insurance discussions often begin with security, privacy and incident response. Technology errors and omissions discussions often begin with an allegation that a technology product or service caused a customer loss. Travelers describes technology E&O in that context; the NAIC explains that cyber policies are customized. Neither category name tells you that a particular AI incident is covered.
Use scenarios instead of labels
| Illustrative event | Question to bring to a professional |
|---|---|
| A chatbot exposes private customer records. | Which privacy, security and response provisions could apply? |
| A scheduling agent books the wrong work and a client alleges lost revenue. | How do insured services, errors and contractual obligations apply? |
| A compromised agent changes a payment destination. | How do cyber, crime, fraud and payment authorization terms interact? |
| A robot damages a customer's property. | Which physical injury, property, product and technology provisions need review? |
These examples organize questions. They are not coverage determinations.
Ask about overlap and exclusions
Ask whether AI development, integration, consulting and ongoing operation fall within the described services. Request a review of cyber, professional services, intellectual property, contractual liability and physical injury exclusions where relevant. Ask whether a combined policy changes the analysis and whether other policies need to be reviewed alongside it.
Do not assume that calling an event an AI error makes it a covered technology claim, or that a cybersecurity event automatically pays for every resulting business loss.
Prepare a clear account of your role
Explain whether you build a model, integrate another provider's model, sell the resulting software, or use it internally. Note who controls security, approves actions and answers customer complaints. A simple dependency list and a description of customer promises are more useful than a claim that your system is fully safe.
A licensed professional must confirm available products and actual policy terms. LunarQuote does not recommend a policy, provide an insurance quote or decide whether a claim is covered.
Primary sources
Sources provide general context. The checklists and examples are LunarQuote educational material. An insurer reference does not imply a LunarQuote partnership, appointment or endorsement.
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