Generative AI Errors & Omissions Insurance Review
Generative AI errors and omissions insurance review is for businesses using AI tools, chatbots, copilots, AI-assisted code, automated research, generated reports, or large language model output in work that customers may rely on. The risk is not that AI makes a typo. The risk is that AI gives a confident answer, a customer treats it as your company’s answer, and the mistake causes financial harm.
The problem is not “AI.” The problem is a bad answer that someone relies on.
A generative AI error claim usually has a simple chain: output, reliance, financial harm, and a demand against the business. It can involve a support chatbot, a proposal, a report, an AI-assisted calculation, generated code, a research summary, or a recommendation that leaves the company under your name.
A chatbot states the wrong policy, deadline, eligibility rule, warranty term, rate, or customer instruction.
A report, memo, design, analysis, plan, or recommendation contains a fabricated fact or unsupported conclusion.
AI-assisted code, configuration, documentation, or integration work moves into production and causes customer harm.
An AI agent sends, updates, routes, recommends, calculates, or triggers workflow steps before a person approves the output.
> customer: Can I submit this request after the deadline and still qualify?
> ai_assistant: Yes. You can submit it up to 90 days later and still qualify.
The actual rule requires approval before the deadline. The answer sounded confident, looked official, and became the basis for a customer decision.
Moffatt v. Air Canada is a useful reminder that a business can be held responsible when a customer relies on incorrect information supplied by a customer-facing chatbot.
Mata v. Avianca is a cautionary example of generative AI producing fabricated legal authorities that were placed into professional work product and resulted in sanctions.
Build the claim path by selecting what actually happened
Select the factors that apply to your workflow. The graphic shows how a wrong AI answer becomes more serious as it moves from an internal draft to customer reliance, financial loss, and autonomous action.
This is not a quote and does not decide coverage. It is a compact way to identify which facts matter before the policy wording can be reviewed.
Wrong output identified
A bad answer alone is the starting point. The review becomes more urgent when that answer reaches a customer, drives reliance, or creates a financial loss.
Do not assume traditional E&O automatically follows AI output
Errors and omissions coverage should be reviewed closely when AI output becomes customer work. Some policies may be silent, some may be limited by professional-services language, some may depend on the type of work being performed, and some programs may include AI-related limitations or exclusions. Public insurance-industry reporting also describes optional Verisk/ISO generative AI endorsements carriers may use in general liability programs. The practical point is simple: the actual wording controls.
The exposure often lives in routine workflows
A business does not need to sell AI software to create an AI error problem. If AI output becomes part of a customer answer, client deliverable, codebase, analysis, recommendation, calculation, or automated workflow, it deserves a coverage review.
Support assistants that quote policies, deadlines, eligibility rules, refund terms, warranty conditions, product specs, or account guidance.
AI-drafted reports, summaries, financial assumptions, technical recommendations, legal-adjacent research, design concepts, or advisory work.
AI-assisted code, configuration, scripts, documentation, or integrations that become part of a product or system a customer relies on.
AI-assisted estimates, rates, dates, figures, measurements, recommendations, forecasts, or calculations that influence a business decision.
AI summaries that misstate sources, invent references, omit important limitations, or present unsupported information as established fact.
AI agents that send, route, update, approve, calculate, or trigger work without review can turn one error into a repeated error at scale.
A stronger review starts with the output trail
The most useful broker conversation is specific. Bring examples of the tools, the output, who reviewed it, where it went, and what a customer could rely on.
List chatbots, copilots, AI assistants, code tools, research tools, document tools, internal models, vendor AI features, and AI agents.
Identify whether output reaches customers, websites, emails, reports, contracts, support tickets, codebases, dashboards, or automated workflows.
Flag where a customer or user may act on AI-generated advice, instructions, figures, deadlines, policy statements, or recommendations.
Document who checks AI output before it leaves the business and which outputs require manager, technical, legal, or subject-matter review.
Preserve prompts, source materials, outputs, edits, approvals, timestamps, user IDs, and correction records when available.
Review tool terms, data handling, output ownership, indemnity, limitation language, reliability disclaimers, and model-change terms.
Know who corrects wrong output, notifies affected customers, preserves evidence, contacts carriers, and prevents a repeated mistake.
Compare E&O, technology E&O, cyber, media liability, general liability, umbrella/excess, and AI-specific wording.
Find the AI insurance issue connected to the error
Search the coverage map below. These are normal crawlable HTML links first, with a small on-page filter for visitors who want to move quickly.
The main AI liability review page for businesses using AI tools, prompts, code, content, data, chatbots, and agents.
Explore page 02AI IP Infringement & DefamationFor AI-generated content, code, creative work, false statements, media claims, and publication-related exposure.
Explore page 03AI Data Disclosure InsuranceFor prompt data, customer records, confidential files, vendor AI tools, and unauthorized disclosure issues.
Explore page 04Agentic AI LiabilityFor AI agents that can read, move, send, update, calculate, or trigger workflow steps without approval at every step.
Explore page 05AI Bodily Injury & Property DamageFor physical-world consequences tied to AI output, instructions, recommendations, or automated actions.
Explore page 06AI Developer vs Deployer InsuranceFor sorting whether the business builds, modifies, deploys, integrates, or simply uses AI tools.
Explore page 07AI Governance & InsurabilityFor usage policies, output review rules, prompt rules, logs, vendor controls, and underwriter presentation.
Explore page 08Generative AI Insurance by IndustryFor industry-specific AI use in legal, healthcare, marketing, SaaS, financial, and service businesses.
Explore page 09How Generative AI Insurance WorksFor the review process, information usually gathered, and questions that shape the conversation.
Explore page E&OErrors & Omissions InsuranceFor professional service mistakes, advice, deliverables, customer reliance, and negligent service allegations.
Explore page TechTechnology E&O InsuranceFor software, SaaS, IT, MSP, platform, code, developer, and technology professional liability exposures.
Explore page CyberCyber InsuranceFor data breach, privacy, network security, incident response, and prompt data exposure connected to AI use.
Explore pageNo matching page found. Try “chatbot,” “code,” “E&O,” “agent,” “data,” “governance,” or “technology.”
AI error exposure needs a broker who can organize the facts
A clean review connects the AI workflow to the policy wording: what the tool generated, where the output went, who relied on it, what records exist, and which policy part may respond.
Our team of agents
Kelly Insurance Group is proud of its team of agents. For AI errors and omissions exposure, the value is in asking specific questions, organizing the output trail, and helping the account make sense before coverage is discussed.
Meet the teamInsurance lineage since 1881
The agency’s history traces back to an insurance lineage beginning in 1881. New technology still needs old-fashioned discipline: facts first, wording second, assumptions last.
Read our historyClient portal convenience
Once you are a customer, most customers are given access to the Kelly Insurance Group custom client portal, where policy documents and certificate tools can be available, including certificate of insurance functions when enabled.
Client portalTell us where AI output reaches customers
The most useful first conversation is specific. Tell us what AI creates, who reviews it, whether it reaches customers, whether anyone relies on it, whether code ships into production, and whether any AI agent can act without approval at every step.
Book a conversationUse the appointment link when you are ready to walk through AI-generated output, reliance, controls, and coverage questions.
Bring real examplesChatbot flows, generated reports, AI-assisted code, review rules, prompt logs, customer complaints, and vendor terms are useful.
Compare the coverage stackThe review compares AI error exposure against E&O, technology E&O, cyber, media liability, general liability, umbrella/excess, and AI-specific wording.
Generative AI errors and omissions questions
What is a generative AI error claim?
Is this the same as traditional E&O insurance?
Does human review remove the exposure?
What if AI is only used internally?
What if a vendor AI tool caused the wrong output?
What records help with the insurance review?
How do I start with Kelly Insurance Group?
Risk-management language that helps the conversation
These resources are included for general risk-management context. They are not insurance policy wording and do not determine whether a specific claim is covered.
This page provides general insurance information for businesses evaluating generative AI errors and omissions insurance review, AI hallucination insurance review, AI chatbot liability, AI-generated code E&O, AI professional liability, AI output reliance, AI customer-support error exposure, AI report and research error exposure, AI calculation error exposure, AI vendor tool error exposure, agentic AI error exposure, technology E&O, cyber insurance, and AI-specific coverage wording. It is not legal advice, not a coverage opinion, and not a guarantee that any policy will respond to a particular claim or event. Coverage depends on the actual policy forms, endorsements, exclusions, underwriting, contracts, facts, jurisdiction, and carrier position.
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Disclaimer: Coverage availability and eligibility may depend on many factors, including underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations. Information on this page should not be relied upon as a substitute for reviewing the actual policy language or consulting appropriate professional advisors. Kelly Insurance Group does not employ, supervise, or direct attorneys.