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Micro-Course • insurance

AI & E&O: What Really Matters

Get Coverage Without the Headaches

10 minutes total
0 of 3 lessons complete
1

The New E&O Reality

3 min read

Why E&O Insurers Care About AI

Errors & Omissions insurance protects against claims of:

  • Copyright infringement
  • Defamation
  • Rights violations
  • Breach of contract

    • AI introduces new risk vectors in every category.

    What Insurers Are Asking

    2023: "Do you use AI?" (checkbox) 2024: Detailed questionnaires about:

  • Specific AI tools used
  • Training data concerns
  • Performer consent status
  • Rights clearance documentation

    • The Underwriting Challenge

    Insurers struggle because:

  • AI liability law is unsettled
  • Training data lawsuits are pending
  • No historical claims data exists

    • Result: Higher scrutiny, more questions, potential exclusions.

    The Good News

    Insurers don't want to deny coverage—they want to understand risk. Good documentation makes you a better risk, which means:

  • Smoother applications
  • Better rates
  • Fewer exclusions

    • Key Insight: Your documentation quality directly affects your insurability.

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