Short answer
Describe the subcontractor's role, access and deliverables without assuming their insurance transfers your responsibilities. Ask counsel and a professional to examine the relevant agreements and policy terms.
An illustrative example
A contractor builds the customer-facing inference service.
This is a hypothetical situation, not a real customer outcome or a coverage determination.
Three facts to prepare
- Contractor responsibilities
- System access
- Contract summaries
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
How are subcontracted services treated under our actual wording?
Begin with the service a customer buys and the consequence of failure. Separate a provider's own work from third-party components, internal AI use and customer-configured actions. A concise service map helps a professional examine actual forms; it does not establish available coverage.
Sources and scope
- Travelers: technology errors and omissions risk examples
Insurer-authored context on technology service allegations and differences in policy wording. Product descriptions apply to that source; they are not LunarQuote offers or evidence of a partnership.
- 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.
Your next step
Organize high-level concerns in a private profile. A specialist connection depends on verified availability and your consent; matching may be temporarily unavailable. A profile is not a quote, claim report or promise of coverage.
Create a business risk profile →