How can an agent distinguish an AI builder from an ordinary AI user?

Short answer

Ask whether the business sells the technology or uses it in another service. Then identify internal, customer-facing and consequential uses separately.

An illustrative example

A retailer calls itself an AI company after buying tools.

This is a hypothetical situation, not a real customer outcome or a coverage determination.

Three facts to prepare

• Core revenue activity
• Sold technology
• Internal uses

Use a brief, accurate summary. Separate confirmed facts from assumptions; keep passwords, identity numbers, private customer records and confidential documents out of an initial marketplace request.

A question to bring to the right professional

Which activity generates the obligations being reviewed?

The goal is an accurate client activity description and a qualified review of available terms. Keep professional, legal and technical questions with their appropriate reviewers. Use category-level information first and obtain evidence through a secure process, avoiding unsupported assumptions about compliance, authority or coverage.

Sources and scope

• NIST: AI Risk Management Framework

  A voluntary framework for organizing AI risk. It is not an insurance contract, certification or determination of legal compliance.

• Travelers: technology errors and omissions risk examples

  Insurer-authored context on technology service allegations and differences in policy wording. Product descriptions apply to that source; they are not LunarQuote offers or evidence of a partnership.

Sources supply the stated background, not a determination about the illustrative case. The example, checklist and discussion prompt are LunarQuote educational material. Source links checked October 5, 2026.