# Guides: who pays when AI work goes wrong Canonical HTML: https://spoolis.com/guides. This page is also available in machine-readable Markdown. Plain-language guides, built from public primary sources, on the contracts, warranties, insurance and penalties that decide who pays when an AI agent makes a costly mistake. ## Guides [Warranty vs guarantee vs insurance](/guides/warranty-vs-guarantee-vs-insurance): how US law tells the three apart. [AI exclusions in liability insurance](/guides/ai-exclusions-in-liability-insurance): what ISO filed, what carriers have reported, and what silent AI means. [Sales tax late-filing and late-payment penalties by state](/guides/state-sales-tax-late-filing-penalties): each state rule with its source. [Glossary](/guides/glossary): the contract and insurance terms behind who pays.