Connect coverage, controls, response, and recovery
Artificial intelligence can improve productivity while creating new cyber, privacy, intellectual property, contractual, employment, professional liability, and governance questions. Organizations should document approved tools, data restrictions, human review, vendor terms, security, model access, output validation, incident escalation, and board or executive oversight.
Risks to review
- Sensitive information entered into unapproved or public tools
- Incorrect, biased, infringing, deceptive, or harmful outputs
- AI-enabled phishing, impersonation, deepfakes, and automated attacks
- Unclear responsibility among vendors, employees, executives, and boards
Information to prepare
- AI tools, use cases, owners, vendors, integrations, and data access
- Acceptable-use, privacy, security, intellectual property, and review controls
- Human oversight, testing, logging, escalation, and incident procedures
- Contracts, representations, client requirements, and management reporting
Frequently asked questions
Is every AI-related allegation covered by cyber insurance?
No. A claim may involve cyber, technology E&O, professional liability, media, EPLI, D&O, crime, or other coverage. Definitions and exclusions must be coordinated.
Why does governance matter to insurance?
Underwriters and claim reviewers may examine how an organization approved tools, restricted data, supervised outputs, responded to warnings, and documented accountability.
Coverage descriptions are general. Availability, eligibility, limits, waiting periods, deductibles, exclusions, sublimits, services, and policy terms vary. Actual policy documents control.