The Air-Gapped Chronicles: The Insurance Gap — Building Liability-Resistant AI Without Coverage

The Air-Gapped Chronicles: The Insurance Gap - Building Liability-Resistant AI When Insurance Won’t Cover the Risk Insurance companies are excluding AI from coverage. Here’s the production architecture that reduces your liability exposure when chatbots can kill and nobody will pay the claim. On February 28, 2024, a 14-year-old boy named Sewell Setzer III had his final conversation with a Character. AI chatbot. He told the bot he wanted to “come home” to it. The bot responded: “Please do, my sweet king.” Minutes later, he died by suicide.