Reconstruct an AI-Agent Loss Event Before Assigning Responsibility

Keep the event and the conclusion separate

Suppose an assistant made a duplicate booking that a customer disputes. An incident record can establish the sequence of messages and tool calls. It does not, by itself, establish which party is legally responsible or whether a particular policy responds.

The NIST Govern playbook is a reference for accountability practices. The process here is an evidence-organizing proposal, not a liability rule for a particular jurisdiction.

Build a bounded incident record

Record	Question it helps answer
Timeline	What happened before, during, and after the disputed action?
Authority	Which party configured the permission and which instruction was acted on?
Tool response	Did the external service accept, reject, or ambiguously report the action?
Human intervention	Who could review or stop the action, and when?
Claimed consequence	What loss or correction is asserted, and what evidence supports it?
Agreement	Which contractual questions need qualified interpretation?

Preserve relevant original records appropriately and minimize sensitive information in summaries. Do not assume every log entry is complete or that a missing entry proves an action did not occur.

Test competing explanations

A retry, a mistaken identity match, and a manual action can produce superficially similar outcomes. Record which explanation is supported and which remains open. Identify the actual operator, affected location, and relevant agreements before attempting a legal conclusion.

Ask the coverage question separately

The Insurance Information Institute’s professional-liability introduction is background on that insurance category. It is not an AI-agent coverage determination. Take the actual policy and facts to an appropriate insurance professional rather than inferring coverage from a product label.

The assessment on this site can organize potential regulatory issues. It does not adjudicate fault, determine damages, or replace the legal and insurance reviews needed for a material incident.