How should AI vendor outages be included in continuity planning?

Short answer

Identify dependent operations, alternatives and recovery ownership. Planning for an outage is distinct from determining whether a policy addresses resulting losses.

An illustrative example

An external tool outage stops a critical scheduling process.

This is a hypothetical situation, not a real customer outcome or a coverage determination.

Three facts to prepare

• Critical workflow
• Fallback process
• Recovery owner

Use a brief, accurate summary. Separate confirmed facts from assumptions; keep passwords, identity numbers, private customer records and confidential documents out of an initial marketplace request.

A question to bring to the right professional

Which dependency facts are relevant to current protection?

Describe the core business first, then the tasks AI reads, suggests or executes. Purchased tools can change operations without making the company a technology vendor. Actual data, authority, customer promises and fallback arrangements are more useful than a broad claim that AI changes everything.

Sources and scope

• NIST: AI Risk Management Framework

  A voluntary framework for organizing AI risk. It is not an insurance contract, certification or determination of legal compliance.

• NAIC: cybersecurity and insurance

  General commercial cyber context; the NAIC describes cyber policies as customized. This source does not decide coverage for an AI scenario.

Sources supply the stated background, not a determination about the illustrative case. The example, checklist and discussion prompt are LunarQuote educational material. Source links checked October 5, 2026.