---
id: "question-insurance-pricing"
type: "open-question"
source_timestamps: ["¶18"]
tags: ["insurance", "risk-management"]
related: ["action-escalation-rules", "claim-latent-ai-errors"]
resolutionPath: "Observation of the cyber-insurance market over the next 3-5 years to see if specific riders or premiums emerge based on a company's SLSA provenance data and AI usage."
sources: ["futures"]
sourceVaultSlug: "hbr-seg-futures"
originDay: 2
articleStem: "hbr-cl-84-big-tech-capability-crisis"
sourceUrl: "https://hbr.org/2026/06/big-techs-looming-capability-crisis"
sourceTitle: "Big Tech’s Looming Capability Crisis"
---
# How Will Insurers Price AI-Related Production Failures?

## Open Question — Pricing AI-Related Failures

The authors suggest insurers and regulators will reinforce accountability by *"pricing repeated AI-related production failures into cyber-risk premiums"* (linked to [[action-escalation-rules|escalation rules]]). Open: how will the insurance industry build **actuarial models** that distinguish human error from [[claim-latent-ai-errors|AI-generated latent defects]]?

**Possible resolution path:** watch the cyber-insurance market over the next **3–5 years** for riders or premiums keyed to a company's [[entity-slsa-framework|SLSA]] provenance data and AI usage.