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Home / AI Insurance / Directors & Officers (D&O) AI Governance & Regulatory Oversight Policy
Public & Private Corporate Boards, CEOs, General Counsel & Directors

Directors & Officers (D&O) AI Governance & Regulatory Oversight Policy

Shareholder derivative lawsuits, SEC enforcement defense for misleading AI disclosures, board failure of oversight claims (Caremark duty), and EU AI Act executive accountability.

Estimated Premium
$50,000 - $300,000 / year
Enterprise Endorsement
Primary Coverage Scope
Comprehensive AI E&O

Shareholder derivative lawsuits, SEC enforcement defense for misleading AI disclosures, board failure of oversight claims (Caremark duty), and EU AI Act executive accountability.

Critical Exclusions
Standard Policy Exclusions

Deliberate criminal fraud, intentional misrepresentation of AI capabilities ('AI washing').

Target Buyer Persona
Public & Private Corporate Boards, CEOs, General Counsel & Directors

Designed for enterprise risk officers, legal counsel, and CTOs.

Underwriting Prerequisites & Risk Mitigation Controls

Insurance underwriters require verification of the following engineering and legal controls prior to binding coverage:

Representative AI Loss Scenarios

Real-world claim scenarios illustrating trigger events and defense coverage.

Claim Scenario #1 Loss Event

Shareholders sue board of directors following $250M stock collapse caused by catastrophic €35M EU AI Act regulatory fine

Claim Scenario #2 Loss Event

SEC brings enforcement action against CEO for overstating proprietary AI model capabilities during investor earnings calls

Claim Scenario #3 Loss Event

Derivative action alleging board breached fiduciary duties by failing to implement basic risk controls over company's algorithmic pricing tools

Explore Other AI Insurance Endorsements

B2B SaaS Vendors, AI Developers & Enterprise Deployers
Technology Errors & Omissions (Tech E&O) AI Endorsements
Est. $15,000 - $120,000 / year (per $5M limit)
Chief Human Resource Officers (CHROs), Enterprises & Staffing Agencies
Employment Practices Liability Insurance (EPLI) with AI Bias Riders
Est. $25,000 - $150,000 / year
Media Companies, Marketing Agencies & Generative AI Software Providers
Generative AI Copyright & IP Infringement Defense Policy
Est. $30,000 - $200,000 / year
Robotics, Smart Manufacturing, Autonomous Logistics & IoT Deployers
Autonomous AI Agents & Robotics Property Damage Policy
Est. $40,000 - $350,000 / year
Chief Information Security Officers (CISOs) & Enterprise Cloud IT
Cyber Liability with AI Data Leakage & Prompt Injection Endorsement
Est. $20,000 - $180,000 / year

Evaluate Your AI Policy Limits & Exclusions

Our insurance and legal specialists review your AI deployment stack and existing policy wordings to close coverage gaps.

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AI LiabilityAudit

AILiabilityAudit.com is the definitive regulatory intelligence, statutory cross-referencing, and technical compliance network for enterprise artificial intelligence. Information provided does not constitute formal attorney-client legal counsel.

EU AI Act Articles

  • Article 5: Prohibited Practices
  • Article 6: High-Risk Classification
  • Article 9: Risk Management
  • Article 10: Data Governance
  • Article 14: Human Oversight
  • Article 26: Deployer Duties
  • Article 50: Synthetic Media
  • Article 71: Fines & Penalties
  • Annex III: High-Risk Areas

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