Your customer clicks publish. You are still named in the complaint.Founded by a software developer who runs an AI app.
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.
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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.
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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 content or marketing software company businesses actually need.
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 — Defamation, copyright and trademark infringement, and use of a likeness or voice in what your tool generates. Check that the form does not exclude generative AI.
Technology E&O
Claims that the platform failed customers: an outage, wrong outputs, a feature that did not work, and the customer’s contract claims against you.
Without it — Tech E&O commonly carves out intellectual property and media claims, which are the claims a content tool is most likely to draw. Read the exclusions before the limit.
Intellectual property coverage
Defense for claims that you or your customers infringed a patent, trademark or, in some forms, copyright, and in some programs help enforcing your own rights.
Without it — Most IP exclusions in other policies assume a human infringer. Training data claims are newer, and forms differ on whether they respond.
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 — Customers’ prompts, uploads and brand assets sit in your systems. A breach, or a claim that private inputs trained a model, is a cyber and privacy matter.
AI liability, endorsed or standalone
Coverage written for AI output claims where media or tech forms are silent or exclude it.
Without it — A generative AI exclusion on an otherwise adequate form leaves the claim unanswered.
What the regulators actually wrote down.
On August 12, 2024 the court in Andersen v. Stability AI Ltd., No. 3:23-cv-00201 (N.D. Cal.), denied the motions to dismiss the copyright claims against Stability AI, Runway and Midjourney, and the Lanham Act claim against Midjourney, while dismissing the Digital Millennium Copyright Act claims with prejudice.
Order Granting in Part and Denying in Part Motions to Dismiss First Amended Complaint, Andersen v. Stability AI Ltd., No. 3:23-cv-00201-WHO (N.D. Cal. Aug. 12, 2024) · checked 2026-11-01
The court-run settlement website for Bartz v. Anthropic PBC, No. 3:24-cv-5417, states that the court granted final approval of the class settlement on July 20, 2026.
Bartz v. Anthropic PBC copyright settlement website (court-authorized notice site) · checked 2026-11-01
Tennessee’s Ensuring Likeness, Voice, and Image Security Act of 2024, Public Chapter 588, took effect July 1, 2024. It makes a person’s voice a protected right alongside name, photograph and likeness, and extends civil liability to distributing a tool whose primary purpose is producing a specific person’s photograph, voice or likeness without authorization.
Tennessee General Assembly, HB 2091 / SB 2096 (2024), Public Chapter 588 · checked 2026-11-01
The FTC’s final rule on consumer reviews and testimonials, announced August 14, 2024 and effective October 21, 2024, prohibits creating or selling reviews that misrepresent who wrote them, including AI-generated fake reviews, and lets the FTC seek civil penalties for knowing violations.
The FTC approved a final order against Rytr, the seller of an AI “Testimonial & Review” service, on December 18, 2024, over allegations that the service generated detailed reviews unrelated to what a user entered, and then reopened and set that order aside on December 22, 2025, finding the complaint’s facts did not support a Section 5 violation.
Federal Trade Commission press releases of December 18, 2024 and December 22, 2025 on Rytr LLC · 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 rights holder alleges the model was trained on protected work
Covered by Media liability or IP coverage, if training data claims are not excluded
The Andersen v. Stability AI order let copyright claims proceed against image and video model companies, and the Bartz settlement got final approval in 2026. Tech E&O often excludes IP, and media forms are the ones adding AI exclusions.
Common
A generated output defames a real person or copies a protected work
Covered by Media liability
The customer published it, but the platform is named. Whether your terms put responsibility on the customer matters to the defense and does not stop the claim.
Common
A voice or likeness is generated without the person’s permission
Covered by Media liability, right of publicity wording
Tennessee’s ELVIS Act reaches distributing a tool whose primary purpose is producing a specific person’s voice or likeness. Many media forms cover only the insured’s own use, so a tool vendor should read for tool distribution.
Less common, severe
Your tool is used to generate fake reviews or testimonials
Covered by Technology E&O and regulatory defense, wording dependent
The FTC’s review rule bars creating or selling fake reviews, including AI-generated ones, and carries civil penalties. Fines are often uninsurable, so the coverage is the defense cost.
What our AI content or marketing software company clients ask us.
The customer publishes the content. Why would we be sued?
Because the platform made the output, and a plaintiff names everyone in the chain. The suit over what a model learned from names the company that trained it, and the suit over a specific output often names the tool beside the customer. Your terms of service can shift responsibility to the customer by contract, which helps with the customer and not with a stranger who sues you.
What will the underwriter ask an AI content or marketing software company?
How the models were trained and on what data, whether you license it or can show provenance, and whether you built or call a third-party model. What the tool refuses to generate: real people, brands, voices. What filters and human review exist, how takedown requests are handled, and whether you offer customers an indemnity. Add revenue, customer count, outputs a month, the countries you serve, your terms and any claim or demand letter.
Does tech E&O cover an infringement claim over what our model produced?
Often not. Technology E&O forms commonly carve out copyright and other intellectual property claims, and general liability forms are adding generative AI exclusions. The answer is usually media liability or an intellectual property policy, with the AI wording confirmed. Placing them together lets us see where one policy pushes the claim to another.
What has happened in the AI copyright lawsuits?
In Andersen v. Stability AI, a federal court in California on August 12, 2024 declined to dismiss the artists’ copyright claims against Stability AI, Runway and Midjourney. The Bartz v. Anthropic class settlement, case 3:24-cv-5417, got final court approval on July 20, 2026. Rulings differ across cases, so we do not predict outcomes. What matters for insurance is that the claims are being filed and that the policy has to answer them.
Can an AI be sued for defamation?
The claim is against the company, and the question courts are still working through is whose statement it is when a model invents a damaging fact about a person. A plaintiff may name the platform that generated it, the customer who published it, or both. Media liability is the policy meant to answer defamation. Confirm that your form covers it when the content is machine generated.
What is the right of publicity, and how does it reach AI?
It is a person’s right to control commercial use of their name, image and voice. Tennessee’s ELVIS Act, effective July 1, 2024, makes voice a protected right and extends liability to distributing a tool whose primary purpose is producing a specific person’s voice or likeness without authorization. If your tool clones voices, tell the underwriter what consent you require.
Our tool writes product reviews and testimonials for customers. What is the risk?
The FTC’s rule on consumer reviews, effective October 21, 2024, bars creating or selling reviews that misrepresent who wrote them, including AI-generated fake reviews, with civil penalties for knowing violations. The FTC also approved an order against Rytr in December 2024 over an AI review service, then set it aside in December 2025. The rule remains, so design the product around real customer input.
Should we check our policies for a generative AI exclusion?
Yes, before renewal. Read the media, tech E&O and general liability forms for endorsements that exclude generative AI. If your customers carry general liability with such an exclusion, a claim over content they published may land on you through the contract, so their forms matter to your risk as well.
How does this differ from the studio and agency pages?
Those pages speak to the business that makes the content. This one speaks to the software that makes the content possible for thousands of customers. The studio asks about its own films; you are asked about your training data and every customer’s output.
Which NAICS codes does this page cover?
The 2022 NAICS codes an AI content or marketing software company may fall under are 513210 Software Publishers, 541511 Custom Computer Programming Services, 518210 Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services, 519290 Web Search Portals and All Other Information Services, and 541890 Other Services Related to Advertising if you also run campaigns for clients.
We built the product quickly with AI coding tools. Does that matter?
An underwriter will ask who reviewed the code and the filters around what the tool can produce. State what was generated and what a person checked.
We have customers outside the US. Does our insurance follow?
Not automatically. Many policies defend only US and Canadian claims, and copyright and likeness laws in Europe and elsewhere differ.
Is there any bodily injury angle for a content tool?
Occasionally: a generated health or safety instruction that someone follows. That is a bodily injury claim, which tech E&O commonly excludes. Contingent bodily injury is the grant for it, and the fitness page explains the pattern.
Where do the other AI app industries fit?
The hub lists every industry, one page each.
Does our cyber policy cover a claim that customer inputs trained the model?
It may cover the privacy side, depending on the form. The copyright side belongs to media liability. Ask the insurer how it treats a claim that private inputs were used to train a model.
What do you need to quote an AI content or marketing software company?
What the tool generates, how the models were trained or which provider you call, what you block, your customer count and output volume, revenue, the countries you serve, your terms of service and any customer indemnity, and any claim or demand letter. Send current policies too, so we can see which exclude generative AI today. Our fitness app page shows the AI app argument that began all of these pages.
Guides on AI content or marketing software company.
- 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.