Commercial Insurance ·
Artificial Intelligence
Artificial Intelligence Insurance
Specialized coverage for the liability exposures that standard tech policies were never designed to address: algorithmic risk, training data disputes, and AI-generated output claims.
Your AI systems create risk profiles that most insurance programs haven't caught up to.
We build coverage around your actual operations, not a generic tech-company template.
Why This Requires Expertise
Why AI Risk Demands a Specialist Broker
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The standard tech E&O or general liability policy was not written with artificial intelligence in mind, and that gap is material. When your business builds, deploys, or depends on AI systems, your liability profile includes exposures most generalist brokers have never placed: claims arising from erroneous AI-generated outputs, intellectual property disputes over training data, regulatory scrutiny under emerging federal and state AI oversight frameworks, and cyber risk amplified by the attack surface of large language model infrastructure.
Algorithmic liability, the exposure that arises when an AI model's decision or recommendation causes harm, requires both technical fluency and established carrier relationships to place correctly. A broker without that fluency will default to a policy form designed for a different risk entirely, leaving you exposed at precisely the moment coverage matters most.
Does standard business insurance cover AI liability? In most cases, no, and the exclusions are rarely obvious until a claim is filed. Simpson | McCrady has spent over 100 years navigating the insurance implications of emerging industries and complex risk categories. We approach AI the same way we have approached every novel exposure our clients have faced: with rigorous risk analysis, direct carrier advocacy, and a program built around your actual operations.
What We Cover
Coverage Built for AI Companies
Get an Expert Review of Your Current Program.
Our Approach
A Specialist Broker for AI Risk, Not a Generalist with a Checklist
Most brokers approach an AI company the same way they approach any technology client: pull a standard Tech E&O form, attach a cyber endorsement, and call it a program. That approach leaves material gaps, and middle-market AI companies are the ones who find them at claim time.
When Simpson | McCrady takes on an AI company as a client, we begin with a detailed risk assessment of how your business actually creates and deploys AI: the models you train, the data you use, the decisions your systems influence, and the regulatory environment you operate in. That assessment drives carrier selection. Because we are an independent broker with established relationships across the specialty markets that write AI risk, we approach the carriers best positioned to understand your specific exposure rather than defaulting to whoever has a form available.
Why does an AI company need a specialist broker rather than a direct carrier or a generalist? Because AI liability is not a product line any single carrier has fully mapped. It requires an advocate who can read policy language across multiple markets, identify exclusions before you sign, and negotiate terms that reflect your actual operations. Throughout the policy lifecycle (initial placement, renewal, and when it matters most, through a claim), we serve as your advocate, not the carrier's.
For middle-market AI companies in Pittsburgh and across the Mid-Atlantic region, that kind of hands-on advisory relationship is rarely available from a national firm built for enterprise procurement. At Simpson | McCrady, it is how we work with every client.
Firm Credentials
The Depth Behind Your Coverage
One straightforward conversation is all it takes to understand where your coverage stands, and where it should be. Protecting Tomorrow Today.
Prefer to call? 412-261-2222 · info@simpson-mccrady.com