Same model, different lawsuit. Your industry decides which policy answers.Founded by a software developer who runs an AI app.
Insurance for AI apps depends on what the app’s output can do to a person: lose them money, hurt them, or decide something about them. We place technology E&O, cyber and contingent bodily injury for AI apps by industry, from fitness and finance to health, hiring, housing and farming.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
The person placing your tech E&O runs an app with an AI coach of his own.
Kevin Kelsey
Founder | Principal Agent
Boring’s founder, Kevin Kelsey, owns and runs TrainRec, a fitness app with a built-in AI coach, and has placed insurance for AI apps. Insuring his own taught him how an underwriter reads a model. Personal guidance from an AI reads more like the work of a professional than like software, technology E&O forms commonly exclude bodily injury, and not every form will add it back. So whether your app answers money, health, hiring or farming questions, the gap between what it says and what the policy covers gets read by someone who has had to close it for his own product.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What AI app businesses actually need.
Technology E&O with affirmative AI wording
Claims that your app’s output was wrong and a user or customer lost money relying on it, including output a model generated.
Without it — A form that is silent on AI can now arrive with an AI exclusion beside it. Ask for wording that names AI output as covered.
Contingent bodily injury and property damage
An injury or damaged property someone says came from relying on what your app told them, when you never touched them or their things.
Without it — Tech E&O usually excludes both outright. In health, mobility, construction and farming apps this is the claim, so it is added by name.
Cyber & tech E&O
Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.
Without it — An AI app holds prompts, chat history and uploads, and users type things into a chat box they would never put in a form. A leak of that is a privacy claim with a notification bill attached.
Media liability
Covers claims arising from what you publish (defamation, copyright and trademark infringement, invasion of privacy and misuse of a person’s likeness) on an annual policy for creators, podcasters, publishers and authors.
Without it — Generated text, images and voices can copy, defame or use a likeness, and those are media claims rather than technology ones.
Directors & officers
Protects the personal assets of the people running the company when they are sued over a management decision. It applies to private companies and nonprofit boards, not just public ones, which is a common and expensive misunderstanding.
Without it — A regulator inquiry into how the model decides, or an investor who says the AI was oversold, lands on the founders personally.
General liability
Third-party bodily injury and property damage. It is the line nearly every contract names by default.
Without it — The certificate partners and app stores ask for first. Read it for a professional services exclusion and the 2026 generative AI exclusions.
What the regulators actually wrote down.
In January 2026 ISO introduced three optional generative AI exclusions for the commercial general liability program: CG 40 47 for bodily injury, property damage and personal and advertising injury, CG 40 48 for personal and advertising injury only, and CG 35 08 for products and completed operations.
Gallagher, ISO introduces generative AI exclusion in commercial general liability policies · checked 2026-11-01
In a 2026 placement for an app with an AI coach, the underwriter treated personal guidance from the AI more like the work of a professional than like the output of software, which changed both the questions asked and the policy needed.
Kevin Kelsey, agency placement experience (insurer not named) · checked 2026-11-01
Contingent bodily injury is not available on every technology E&O form; on at least one major form it cannot be added at all, so an app whose output can hurt someone has to be placed with a market that offers it.
Kevin Kelsey, agency placement experience (technology E&O form, insurer not named) · checked 2026-11-01
The claims we actually see.
Ordered by how often we see them, not by how dramatic they are. Each one names the coverage that answers it — and the policy people wrongly assume already does.
Most common
A user follows a health, fitness or mobility app’s advice and is hurt
Covered by Technology E&O with contingent bodily injury
Tech E&O excludes bodily injury and general liability written for a software company often excludes professional services, so without the grant both can step away.
Most common
A user relies on a wrong finance, legal, travel or shopping answer and loses money
Covered by Technology E&O
If the app is the regulated business, such as an adviser, a tax preparer or a seller of travel, a technology form can exclude that activity and a professional form is needed beside it.
Common
A hiring, housing, lending or insurance model is accused of bias
Covered by Technology E&O with discrimination and regulatory defense written in
The customer’s employment or real estate policy covers the customer. The vendor whose model made the call is now named directly, and a tech form can exclude discrimination.
Common
Prompts, chats or uploads are exposed
Covered by Cyber, first-party response and privacy liability
Health, children’s and financial data each carry their own regulator, and a cyber form that only answers a hack may not answer data sent to a third-party model without consent.
Find the page for what your app does.
Each page takes one industry’s harm: what the AI gets wrong there, which policy is meant to answer, where it falls between policies and what the underwriter will ask.
- Health & Fitness Apps
We insure workout, nutrition, wellness and wearable-companion apps with technology E&O that includes contingent bodily injury, the grant that answers when a user follows your program and gets hurt, plus cyber for the health data you hold.
- Finance & Fintech Apps
We insure apps whose AI gives budgeting, investing, tax or credit answers with technology E&O worded for a wrong answer that costs a user or a lender money, plus the cyber, crime and D&O that sit around it. Apps that move money through partner banks have their own page.
- Digital Health & Clinical AI
We insure AI scribes, symptom checkers, triage tools, clinical decision support and remote monitoring with technology E&O that can answer a patient injury, plus cyber for the records you hold and product liability where the software is a regulated device.
- Mental Health & AI Therapy Apps
We insure therapy chatbots, mood trackers, AI journaling and teletherapy marketplaces with technology E&O that can address self-harm claims, plus cyber for the most sensitive data a user shares, and we read the state AI therapy laws alongside the policy.
- Legal Tech & Legal AI
We insure legal AI and legal tech companies, whether they sell contract review and research to law firms or document help to consumers, with technology E&O that fits a wrong answer in a legal setting. A lawyer’s malpractice policy protects the lawyer and does not protect the vendor.
- HR Tech & AI Hiring Software
We insure companies that build AI tools to screen, interview, schedule or evaluate workers, with technology E&O reviewed for discrimination wording, because an employer’s employment practices policy protects the employer and a vendor can now be named directly.
- Insurtech
We insure insurtechs that use AI in underwriting, pricing, claims or distribution, whether they are a licensed agency app, a managing general agent or a software vendor to insurers, with the E&O that fits which of those you are. The insurance regulator reaches vendors through the insurer’s contract.
- Proptech & Real Estate AI
We insure tenant screening, automated valuation, rent pricing, listing and property management software with technology E&O, cyber and media coverage, written for the claim these products draw: a fair housing or consumer reporting complaint over what a score did to one applicant. No other policy in the chain is built to answer it cleanly.
- Edtech & Kids Apps
We insure AI tutors, homework helpers, grading tools, learning platforms sold to schools and apps built for kids with technology E&O and cyber that fit the claims children’s software draws: children’s data, student records, and what a tutor said to a minor. School district contracts decide what you must carry, so we read them first.
- AI Companion & Chatbot Apps
We insure companion, character, roleplay and friend chatbots, and the AI features in dating and social apps, with technology E&O that is read for product, minor and self-harm claims, plus cyber for the intimate conversations you store.
- AI Chatbot & Agent Vendors
We insure companies that build customer service chatbots and AI agents for other businesses, with technology E&O and cyber, and we read the customer’s indemnity before the policy. A bot that answers wrongly draws the deployer’s claim and then yours, and one that issues refunds or cancels orders is taking actions that a general software policy was not written for.
- AI Content & Marketing Software
We insure software that generates copy, images, video, voices, ads and reviews for customers, with media liability, technology E&O and cyber arranged side by side. The claims fall on what the model produced and what it learned from, and tech E&O may exclude those while media forms may now exclude AI.
- AI Shopping Agents
Agents that find, compare and buy for people turn a bad recommendation into a purchase, a refund request and sometimes a bank dispute, and stores are now going to court over agents acting on their sites. We insure agents, in-store assistants and apps sold to merchants.
- Travel Apps
Trip planners and booking agents carry three exposures: a booking error that strands a traveler and starts a refund dispute, state laws on selling travel, and an itinerary that points a person at a hazard abroad. We insure travel apps with all three in view.
- Cybersecurity Companies
Detection, email security, identity and scanning products fail on every customer at once, and the loss is the customer’s own breach or outage. We place technology E&O and cyber together for security vendors so a claim is not argued between two policies.
- Developer Tools and AI Coding Assistants
If you sell a coding assistant, a review bot, an agent with repository access or an API, the code and actions it produces ship inside your customers’ products. We place technology E&O, cyber and intellectual property coverage for the vendor, not the builder.
- Navigation & Mobility Apps
We place technology E&O with contingent bodily injury and property damage for navigation, fleet routing, driver-assist and mobility apps, so a crash that follows your route or alert does not fall between the driver’s auto policy, product liability and your software policy.
- Construction Tech
We place technology E&O with contingent bodily injury and property damage for AI estimating, takeoff, scheduling, design and structural tools and site-safety AI, and we tell you where the line sits between a software mistake and the practice of engineering.
- Agtech & Farm AI Apps
We place technology E&O with contingent property damage for agronomy, spray and fertilizer prescription, yield and irrigation, drone and livestock-monitoring apps, and we show where a claim falls between your software policy, the grower’s farm policy and the applicator’s.
What our AI app clients ask us.
Do AI apps need a different kind of insurance?
The same policies, written differently. An AI app still needs technology errors and omissions (E&O) for a customer who lost money and cyber for a data leak. What changes is the wording. Some 2026 forms exclude generative AI, and most tech E&O forms exclude bodily injury, which is the claim an app that advises people about their health or safety gets. Ask for a policy that covers AI output by name, and add contingent bodily injury if the output can hurt anyone.
Why does the industry matter more than the AI model?
Because the policy follows the harm. A wrong answer from the same model is a financial loss in a budgeting app, an injury in a symptom checker, a discrimination claim in a hiring screen and a crop loss in a farm app. Each of those lands on a different part of the insurance program, and each industry has its own regulator. The industry pages below take one harm at a time.
What is contingent bodily injury, and which AI apps need it?
It covers an injury someone says came from relying on your app’s output, rather than from anything you did to them physically. Tech E&O policies usually exclude bodily injury, so it has to be added. Any app that tells people what to do with their body, their car, a building, a crop or a medicine needs it: fitness, nutrition, mental health, clinical, navigation, construction and farming apps above all.
Our app gives personal advice through an AI. Does that change how it is underwritten?
Yes. When we placed an app with a built-in AI coach, the underwriter read the AI’s personal guidance more like the work of a professional than like software, and asked accordingly. An AI that answers one person’s tax, legal, health or money question is doing what a licensed person does, and the insurer prices the risk of a licensed person getting it wrong. Describe the product the way it really works.
Does our policy cover what the AI generates?
Only if the wording says so, and you should read for it now. In January 2026 ISO published optional endorsements that let a general liability policy exclude generative AI claims, and some insurers have filed their own AI exclusions on E&O and management liability. A policy that says nothing about AI is no longer a safe assumption. Ask for affirmative AI wording on the tech E&O, and check every renewal for a new exclusion.
We built the app with AI coding tools. Does that matter to the insurer?
It changes the questions more than the coverage. The underwriter will ask who reviewed the code for security and how the database is locked down, because the documented failures in AI-built apps are open databases and exposed keys. How the code was written does not change which policy answers a claim.
Our users are worldwide. Does our insurance follow the app?
Not automatically. Many tech E&O forms promise to defend only claims brought in the United States, its territories or Canada, and a user in Europe brings the GDPR with them. If the app is in every app store, check where a claim can be brought and whether the cyber policy answers foreign privacy law before launch.
Which NAICS codes does this cluster cover?
Most AI apps sit under 513210 Software Publishers or 541511 Custom Computer Programming Services, with 518210 for hosted platforms. The industry pages also list the codes of the industry the app serves, such as finance, health care, education, real estate or agriculture, because an underwriter classes an AI app partly by whose work it is doing. We write one page per industry rather than one per code.
What do you need to quote an AI app?
A sentence on what the app does and who uses it, what the AI decides on its own and what a person reviews, which model or vendor it calls, how many users you have and where they are, your revenue, any customer or partner contract with an insurance clause, and your current policy. Tell us the industry first, because it decides which coverage leads.
Who at Boring handles AI apps?
Our founder, Kevin Kelsey, a software developer as well as a licensed agent. He builds and runs TrainRec, a fitness app with a built-in AI coach, and owns two post-production software products, so the gap between a bodily injury exclusion and an AI coach is one he has had to close for his own product.
Guides on AI app.
- Bodily Injury vs Contingent Bodily InjuryGeneral liability pays for injuries you cause by accident, and E&O pays for money lost to your mistakes. An injury caused by a mistake in your app, software or advice falls between them, and contingent bodily injury on the E&O is how that gap is closed.
- Insurance for an App Launching WorldwideAn app store launch puts your app in front of users in dozens of countries on the first day. Your tech E&O may only defend claims filed in the US or Canada, and your cyber policy has to handle European privacy rules, where health and fitness readings are a special category of data.
- Vibe-Coded App InsuranceA vibe-coded app carries the same liability as any other, and the documented failures are security ones: open databases, exposed keys and an agent that deleted data. Here is which policy answers which failure, what the AI tool providers say about who is responsible, and what to check before you buy.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.