Commercial Insurance for AI Companies
Your AI Model Has Risks
Standard Insurance Won’t Cover.
WHINS specializes in commercial insurance for AI startups, technology firms, and companies building with artificial intelligence. We place coverage through admitted and surplus lines markets across the U.S.
Who We Work With
Built for Companies Developing or Deploying AI
If your product uses machine learning, generates AI outputs, processes training data, or makes automated decisions, your risk profile is different from a standard technology company. We understand that difference.
AI Startups
Pre-revenue through Series C companies building AI-native products.
SaaS Platforms with AI Features
Established software companies integrating generative AI or ML models.
Model Developers
Companies training, fine-tuning, or licensing large language models.
AI-Enabled Services
Consulting firms, agencies, and service businesses delivering AI-driven work product.
Data Platforms
Companies aggregating, licensing, or processing datasets used in AI training.
Autonomous Systems
Robotics, agentic AI, and systems making decisions without human review.
Coverage Areas
The Four Coverage Areas Every AI Company Needs to Understand
General liability covers slips and falls. It does not cover your model giving bad advice, leaking training data, or producing output that lands a client in legal trouble. Here is what does.
Tech E&O (Technology Errors & Omissions)
Covers claims arising from your technology services and AI outputs, including faulty recommendations, missed service levels, errors in automated decisions, and legal costs from negligent algorithm design. This is the foundation policy for any AI company.
Cyber Liability
Covers data breaches, ransomware, and network security failures. For AI companies, this includes exposures from training data that contained third-party personal information, breaches of your model infrastructure, and regulatory response costs.
D&O (Directors & Officers)
If your board or investors allege that leadership failed to properly disclose AI-related risks, data provenance issues, or regulatory exposure, D&O protects your executives and directors personally. Essential for venture-backed companies.
Training Data Copyright Liability
Courts are actively deciding what constitutes fair use for AI training data. If your model was trained on copyrighted text, images, or code without clear licensing, you are carrying a liability that standard Tech E&O policies may exclude. We place coverage that addresses this specifically.
Why WHINS
We Know the Markets That Will Actually Write This Risk
Most agents will try to fit an AI company into a standard tech package. That creates coverage gaps you won’t discover until a claim. We work with surplus lines markets, specialty carriers, and Lloyd’s syndicates that understand what you actually do.
Surplus Lines Access
When admitted markets won’t write the risk, we go to the non-admitted market where coverage exists for AI-specific exposures.
Multi-State Placements
We place coverage in California and across the U.S. for companies operating in multiple jurisdictions.
Policy Form Review
We read the actual policy language, not just the marketing sheet. We flag exclusions that matter for AI companies before you bind.
Direct Broker Access
You work directly with Joel Wagner, CIC. Not a call center. Not a junior agent. The person who placed the policy answers your questions.
Common Questions
What AI Companies Ask Us
Does my general liability policy cover AI-related claims?
No. General liability covers bodily injury and property damage from physical operations. It does not cover errors in your software, bad outputs from your model, or intellectual property claims related to training data. You need Tech E&O for those exposures.
What insurance does an AI startup need?
At minimum, a Tech E&O policy with AI-specific language and a cyber liability policy. If you have investors, board members, or are raising capital, D&O is also important. If your model was trained on third-party data, we recommend reviewing training data copyright exposure as well.
Does Tech E&O cover training data copyright claims?
It depends on the policy form. Some Tech E&O policies include intellectual property coverage, but many have exclusions for intentional IP infringement or carve out AI-specific exposures entirely. We review the actual policy language and can identify carriers whose forms address this more directly.
How much does AI company insurance cost?
It depends on your revenue, the nature of your AI outputs, your customer base, and your data handling practices. A pre-revenue startup will pay significantly less than a company with enterprise contracts. We can usually provide a preliminary indication quickly based on a short intake call or our online form.
Can you place coverage if we have been declined by standard carriers?
Yes. We work in the surplus lines market, which exists specifically for risks that admitted carriers will not write. If you have been declined, that does not mean coverage is unavailable. It means you need a broker with access to non-admitted markets.
Do you work with companies outside California?
Yes. We place commercial insurance for technology companies across the United States. Our agency is based in Westlake Village, California, but our placements are multi-state.
Let’s Talk About Your Coverage
A 15-minute conversation is usually enough to understand your exposure and identify the right coverage structure. No obligation, no pressure.
Start a Quote →Prefer email? joel@whins.com • Call us: (818) 233-0825
WHINS Insurance Agency | Wagner & Hasson Insurance Services LLC | CA License 0G66655. Coverage is subject to the terms, conditions, exclusions, and endorsements of the issued policy. Summaries of coverage are provided for general reference only and do not amend, extend, or alter actual policy language. The final policy wording governs all coverage determinations.
