Questions people should ask before using generative AI “tools” in the workplace.
Curmudgucation 6 Questions Teachers Should Ask Before Implementing AI From Forbes.com Peter Greene Dec 09, 2025
I’ll save time here: One question is appropriate: Do I want to maybe get sued for something or be uninsurable?
My letter to reps:
Generative AI with all it’s problems has no place in the classroom when the major insurance companies are calling AI errors an overwhelming liability threat, a non-priceable risk, and want to exclusion in policies from claims that involve anything to do with AI or chatbot errors. This should be a big clue that these tools are NOT appropriate anywhere but especially not where mistakes are not ok like healthcare and education.
Please feel free to copy or repurpose for your own letters to reps.
Insurance companies don’t want to pick up the tabs on AI slop and dangerous chatbot errors. These LLM products are so risky and potentially dangerous that even the insurance industry won’t touch the liability. Chloe Humbert Nov 30, 2025
Financial Times - Insurers retreat from AI cover as risk of multibillion-dollar claims mounts - AIG, Great American and WR Berkley seek permission to limit liability from AI agents and chatbots Lee Harris in London and Cristina Criddle in San Francisco Published Nov 23 2025 AIG, Great American and WR Berkley are among the groups that have recently sought permission from US regulators to offer policies excluding liabilities tied to businesses deploying AI tools including chatbots and agents. The insurance industry’s reticence to provide comprehensive cover comes as companies have rushed to adopt the cutting-edge technology. This has already led to embarrassing and costly mistakes when models “hallucinate” or make things up. One exclusion WR Berkley proposed would bar claims involving “any actual or alleged use” of AI, including any product or service sold by a company “incorporating” the technology.
This link has since been deleted:
Major Insurers Want Out of AI Coverage as ‘Black Box’ Risk Grows AIG, Great American, WR Berkley seek regulatory approval to exclude AI liability by The Tech Buzz PUBLISHED: Sun, Nov 23, 2025, 1:04 PM EST | UPDATED: Sun, Dec 7, 2025, 10:48 PM EST The insurance industry’s retreat from AI coverage represents more than corporate caution - it’s a referendum on whether artificial intelligence is actually ready for widespread enterprise deployment. These are companies that routinely insure oil rigs, nuclear plants, and space launches. If they won’t touch AI, what does that tell us about the technology everyone’s racing to implement? The industry has good reason to be spooked. Google’s AI Overview falsely accused a solar company of legal troubles earlier this year, triggering a $110 million lawsuit. Air Canada got stuck honoring a discount its chatbot completely invented after a customer took the airline to small claims court. Most dramatically, fraudsters used a digitally cloned executive to steal $25 million from London engineering firm Arup during what appeared to be a legitimate video conference. But individual payouts aren’t what’s keeping insurance executives up at night. It’s the systemic risk that keeps them awake - the nightmare scenario where a widely deployed AI model malfunctions and triggers thousands of claims simultaneously.
I wonder why.
Image is screenshot of a google search bar with the quoted search “a referendum on whether artificial intelligence is actually ready for widespread enterprise deployment” And the search result shows The Tech Buzz article with the headline “Major Insurers Want Out of AI Coverage as ‘Black Box’ Risk Grows”
