Introducing AI Coverage for Tech Companies

Smart, structured protection for AI-built businesses now included on every Tech E&O / Cyber quote

As artificial intelligence rapidly becomes a core part of how technology companies operate and deliver value, traditional insurance policies are falling behind. The language in most standard Tech E&O / Cyber policies simply wasn’t designed to address risks that arise from machine learning models, autonomous decision systems, or algorithmic service delivery. That disconnect results in vague coverage that doesn’t address critical risks—right when liability, regulatory pressure, and public scrutiny are on the rise.

Embroker’s new Artificial Intelligence Coverage Endorsement changes that. Effective August 5, 2025, this endorsement will be included automatically on every eligible Technology E&O / Cyber quote: a structural upgrade to our Technology E&O / Cyber coverage that protects against the AI risks tech companies are actually facing.

We designed this endorsement to explicitly define how your policy responds to the most urgent AI-related exposures—without limiting coverage effectiveness. For growing tech companies, that means you can scale your business with more confidence, not more risk.

Why this endorsement matters

Clearer coverage. Less ambiguity.
Our endorsement makes it crystal clear that services delivered via AI, as well as AI-integrated products, are within the scope of your policy. That means fewer gray areas when claims arise.

Real risk protection, not just fine print.
From biased outputs and discriminatory algorithms to flawed logic and takedown demands, our endorsement is designed to address the actual issues tech companies face—not hypothetical edge cases.

Coverage that aligns with how AI is built and used.
The definition of Artificial Intelligence in our policy was developed by technologists, not underwriters. It is broad, functionally grounded, and future-focused. Whether you’re developing foundational models, embedding AI into client-facing services, or using third-party tools internally, the coverage keeps pace with innovation.

What’s included

AI professional services
Affirms that services provided through the use of AI are clearly included in your Technology E&O coverage.

AI discrimination coverage
Explicitly addresses claims tied to unlawful bias or harmful outputs stemming from flawed data or algorithms.

Regulatory investigation defense
Includes defense costs for regulatory investigations into how your AI systems are created, marketed, or used.

Algorithm removal expenses
Provides up to $150,000 for costs tied to fixing, modifying, or removing flawed AI systems at a client’s request—even before a formal claim is filed.

Full limit access
Unlike some competitors that sublimit AI-related coverage, Embroker’s endorsement provides full coverage as outlined in your Technology E&O policy.

More than coverage: It’s credibility

AI is no longer niche. It’s a core competency, and your customers, investors, and partners expect you to treat it that way. This endorsement shows your stakeholders that you’re actively managing AI risk with modern, purpose-built protection.

As AI regulation intensifies globally and buyers become more sophisticated, having a policy that speaks the language of AI—and provides clear, structured protection—is a competitive advantage.

Available now

The Artificial Intelligence Coverage Endorsement is available immediately for qualifying technology companies seeking Technology E&O / Cyber in the Embroker Startup Program.

To learn more or request a quote, you can get started here or contact us.