--- title: "Does Tech E&O Cover AI Errors?" description: "Not automatically. A Tech E&O policy may cover an AI-related service claim, but AI outputs, training data, and third-party models may be excluded." canonical: "https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-ai-errors" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "professional-liability" question: "does-tech-eo-cover-ai-errors" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-ai-errors) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Tech E&O Cover AI Errors?" within the Professional Liability FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does Tech E&O Cover AI Errors? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Professional Liability FAQ](https://thegeneralaverage.com/insurance-faq/professional-liability) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does Tech E&O Cover AI Hallucinations?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-ai-hallucinations) — related question - [Does an AI Company Need E&O Insurance?](https://thegeneralaverage.com/insurance-faq/professional-liability/ai-company-eo-insurance) — related question - [Does Tech E&O Cover Intellectual Property Claims?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-intellectual-property) — related question - [Tech E&O vs Cyber Insurance: What’s the Difference?](https://thegeneralaverage.com/insurance-faq/professional-liability/tech-eo-vs-cyber) — related question - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) — related coverage guide # Does Tech E&O Cover AI Errors? Not automatically. A Tech E&O policy may cover an AI-related service claim, but AI outputs, training data, and third-party models may be excluded. Not automatically. A Tech E&O policy may cover an AI-related service claim, but AI outputs, training data, and third-party models may be excluded. A customer might allege an AI-enabled product failed to perform as promised and caused loss. That scenario may be assessed under technology E&O, but the policy’s AI terms and service schedule decide whether it qualifies. Describe whether you build models, resell one, generate advice, or integrate AI into client work. Check AI exclusions, privacy and IP terms, human-review requirements, and third-party model wording. ## More Questions About Tech E&O Insurance - [Does Tech E&O Cover AI Hallucinations?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-ai-hallucinations) - [Does an AI Company Need E&O Insurance?](https://thegeneralaverage.com/insurance-faq/professional-liability/ai-company-eo-insurance) - [Does Tech E&O Cover Intellectual Property Claims?](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-intellectual-property) - [Tech E&O vs Cyber Insurance: What’s the Difference?](https://thegeneralaverage.com/insurance-faq/professional-liability/tech-eo-vs-cyber) ## Coverage Guides Related to Tech E&O Insurance - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) ## Sources for Tech E&O Insurance Answers 1. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-25. 2. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; Coverage; Works With Contracts; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-25. More answers: [Professional Liability, E&O and Tech E&O FAQ](https://thegeneralaverage.com/insurance-faq/professional-liability). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-faq/professional-liability/does-tech-eo-cover-ai-errors.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)