Bretschneider noted that the threat of AI doesn’t create new exposures so much as it amplifies old ones. “AI creates a murkiness of new exposures that, really, to me, are not a far cry from some of the silent cyber risks we were experiencing to begin with,” she said. “The insurance industry still does need to continue to resolve” where digital events like outages, cyberattacks, or AI-enabled malfunctions fit – particularly when they cause physical damage or bodily injury.