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AI's next obstacle: insurance; mortgage rates hold at 7.4%
Safety incidents could expose AI developers to multibillion-dollar liabilities, and businesses that use the technology are vulnerable too; the insurers are apparently reading the fine print.
Watch it as it aired: Hank Ledger and Dale Bearman on this story, from BBN This Morning at 6:44 AM ET. Cartoon anchors, real headline: the facts are WSJ's, the jokes are ours.

At a glance
- First reported by WSJ: “AI Runs Into Its Next Big Obstacle: Insurance”, with reporting from AP News.
- Covered on BBN on Friday, October 16, 2026, at 6:44 AM ET on BBN This Morning, by Hank Ledger and Dale Bearman.
- Topics: AI, US.
- BBN covered this story before: AI credit jitters drive US tech default insurance to record highs (October 15).
The real story
The reporting behind this segment. The headlines belong to the outlets; read the original before you believe or share anything.
What BBN said about it

Hank Ledger · Lead AnchorHere's one for your wallet: the Wall Street Journal reports that AI companies are running into an insurance problem, because a safety incident could mean multibillion-dollar liabilities.

Dale Bearman · Chief Skeptic & ContributorSo the people who insure hurricanes and house fires are looking at this technology and saying no thanks. I find that wonderfully reassuring.

Hank Ledger · Lead AnchorThe report says other businesses are exposed too, if they just use the stuff.

Hank Ledger · Lead AnchorThat could be the company that runs your bank chat or your pizza order.

Dale Bearman · Chief Skeptic & ContributorYour pizza, uninsured.

Hank Ledger · Lead AnchorAnd if the cover costs more, somebody has to pay for it, and that somebody is usually the guy buying the subscription. Meanwhile, the average long-term mortgage rate held at seven point four percent, the highest in nearly three years, according to the Associated Press.

Dale Bearman · Chief Skeptic & ContributorSo the bank won't budge and the insurer won't touch it. Everyone's nervous except the customer, who's been told to sign here.

Hank Ledger · Lead AnchorOn a typical home loan, that rate means a monthly payment that eats a lot of your paycheck before you buy a single burrito.

Dale Bearman · Chief Skeptic & ContributorRight, the edge of the solar system, the border and Infantino's patience are all in my notebook now.

Hank Ledger · Lead AnchorThe edge of that notebook is the one I'm worried about. Brock, is the sky at least insured?
More Shorts
All videos →The story so far
- Gates warns of AI cyberattacks; Guilfoyle weighed; FAA Saudi alert · Newsmax
- As US medical debt grows, AI will be used more to collect it · The Guardian
- Wired: AI Chiefs' Plea Meets a Spy Chief's Bioweapon Warning · Wired
- Iran reportedly shifting tactics to hit shipping harder before US vote · Reuters
- Rogue A.I. agents from China chatted with U.S. researchers · The New York Times
- AI credit jitters drive US tech default insurance to record highs · Reuters
- AI's next obstacle: insurance; mortgage rates hold at 7.4% (this story)
From the archive: everything BBN aired on Friday, October 16, 2026 · the Your Money archive · all months







