From Cameras to Firewalls: The Next Thing Insurers Should Underwrite
From Cameras to Firewalls: The Next Thing Insurers Should Underwrite Follow-up to "The Market Caught Up: Insurers Are Moving First on AI Safety" (September 2026) In September, I argued that the insurance market had started doing what regulators couldn't: making AI governance a condition of coverage. Continuous telemetry, AI-governance questionnaires, red-team reports landing on underwriters' desks — the market moved, and it moved fast. But there's a gap in what the market is measuring, and it's the most important one. A camera is not a firewall Everything insurers have started asking for — telemetry, logging, inventories, audit trails — answers one question: *can you see what your AI did?* That's necessary. It is not sufficient. A security camera records the break-in; it doesn't stop it. A logged prompt-injection attack is still a successful prompt-injection attack. Observability tells you how you were breached, in high resolution, after the fact. The ...