You were responsibile for something, say, child care, and you just decided to go for beer and leave the child with an AI. The house burns down, but because you had insurance you are not responsible. You just head along to your next child care job and don't too much worry about it.

Don't take the right safety precautions and burn down a customers house - liability insurance

Click on a link in a phishing email and open up your network to a ransomware attack - cyber insurance

Forget to lock your door and get burgled - property insurance

Write buggy software which leads to a hospital having to suspend operations - PI (or E&O) insurance

Fail to adequately adhere to regulatory obligations and get sued - D&O insurance

Obviously there will be various conditions etc which apply but I've been in Insurance a long time and cover for carelessness and stupidity is one of the things which keeps the industry going. I've dealt directly with (paid) claims for all of the above situations.

It doesn't absolve responsibility though, it just protects against the financial loss. I suspect if you leave a child alone with an AI and the house burns down that's going to be the least of your problems.

I’m pretty sure this will be the same for the other insurance you mentioned but for property insurance if you left your front door open you will have a hard time getting the insurance to actually pay out your claim. At least here they require a burglar alarm and they require it to be armed when nobody is on site or they will absolutely decline the claim.

Insurance insures against risk, but there’s a threshold to that and if you prove to be above it they will decline your claim or void your insurance in totality.

Two main exceptions:

1 - if you are letting the property to someone else, e.g a lodger or have paying guests staying with you then this is typically excluded.

2 - if you have had previous theft claims, live in a high crime area, or you have a particularly high risk (e.g lots of valuables), the Insurer will add an endorsement that you need a minimum standard of locks and have them engaged when the property is unoccupied.

Outside of those, if you accidentally leave a door unlocked, your claim will likely be paid. The situation obviously may be different in other countries. I worked for a property insurer and saw hundreds of these claims (entry via an unlocked entry point) paid during my time there - I also saw many declined because of the above.

I suspect that over time the number of policies in the 'budget' category will continue to increase as price continues to trump everything else for most people]

edit: it is the same for the other lines I mentioned as well -e.g a cyber policy I saw recently has no conditions relating to use of MFA. It will have been factored in when writing the risk (they will have said they use it) and if it turned out it was a lie then there would be an issue with cover but if it was just a case of an admin forgetting to include an OU in the MFA group policy the claim would almost certainly be covered. Policies aimed at the SME space are much more likely to have specific conditions though.

Would you want to insure people who think they have no responsibility because they've delegated it to an AI? They might as well have delegated the responsibility to a child or a dog. To sell them insurance, you as the insurer are making a financial bet on the ability of the dog to take care of anything that does go wrong.

And still as the insured, using the AI imbued with your responsibility risks horrible outcomes that could still ruin your life. The AI has no life to ruin. It was never really responsible.