Exposure is concentrated where a generative system makes verifiable factual claims about identifiable third parties or customers, and where the output is presented as a finished answer rather than a draft. This description fits a large portion of current insurance AI deployments – a customer-facing chatbot that summarizes a policyholder’s coverage, an AI tool that generates an eligibility determination, a claims assistant that prepares a settlement recommendation, an underwriting copilot that drafts a risk assessment of a named business. In each case, the system is doing what the Munich court described as authorship: rewriting, combining and evaluating the source material into a new original statement. And in each case, if the statement is false and a third party is harmed, the intermediary defense – “it’s the model, not us” – is substantially weakened.
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