H. Linwood Insurance Services, Inc.

06/28/2026

Check out my new post on LinkedIn - this may be a big topic of discussion in legal circles soon!

06/23/2026

If your business creates content, code, or designs with generative AI, here's a question worth asking before your next policy renewal: are you actually covered?

The honest answer in mid-2026 is "it depends" — and the gap is widening fast.

What changed

The "silent AI" era is over. As of January 1, 2026, Verisk released new general liability endorsements (CG 40 47 and CG 40 48) that allow carriers to exclude claims tied to generative AI. With standard policy forms underpinning roughly 82% of U.S. property & casualty policies, rapid adoption is expected — often quietly attached at renewal.

Translation: coverage that previously existed by default may now disappear by design.

Two different "AI IP" problems

It's worth separating two issues people conflate:

Infringement liability — your AI output allegedly copies someone else's protected work. This is where claims are concentrated. IP and copyright claims represent over 23% of generative AI litigation.

Ownership/protectability — whether AI-generated work qualifies for copyright at all. Copyright law generally protects works created by human authors, and it remains unclear whether AI-generated content is eligible for protection under current law. Insurance largely does not solve this; it's a legal question, not a risk-transfer one.

What's actually available now

Standalone AI products are emerging. Armilla (backed by Chaucer and Axis Capital) launched in 2025; Testudo launched in January 2026 with a claims-made product targeting enterprises, focused on copyright infringement and bodily injury defense.

Specialty carriers offer affirmative IP cover. Relm's NOVAAI and PONTAAI products affirmatively cover IP infringement (copyright and trademark) and discrimination.

IP/media liability endorsements. Because standard CGL policies have a likely coverage gap for AI-output infringement, specialists recommend procuring dedicated IP or media liability coverage, typically added to an E&O policy.

Pros

Purpose-built coverage closes gaps that CGL, cyber, and tech E&O leave open.
Defense costs are typically covered regardless of whether the underlying allegations prove true — and defense alone can be ruinous.
Buying it signals mature AI governance to partners and clients.

Cons

These policies require detailed governance documentation and are often placed through surplus lines markets — more underwriting friction.
The products are new, uptake is limited, and many vendors haven't obtained them yet.
Insurers worry about accumulation risk: a flaw in one widely used foundation model could trigger claims across thousands of policyholders at once.
It doesn't fix the underlying ownership uncertainty.

The Takeaway

Don't assume your existing policy bundle responds in your favor. Read your renewal terms for AI exclusions, demand IP indemnification from AI vendors, and treat AI-specific coverage as a live procurement question — not a problem for "later."

The technology moved first. Insurance is catching up. Make sure your coverage isn't the last to know.



www.hlinwood-insurance.com

06/21/2026

https://www.linkedin.com/posts/hlinwood_i-cant-tell-you-how-many-conversations-i-share-7474284474999013376-aUid/?utm_source=social_share_send&utm_medium=ios_app&rcm=ACoAAAE3kMcBSh82ERrkW2l-g0tuQitHgl8PNVk&utm_campaign=copy_link

I can't tell you how many conversations I have had with start-ups that begin with, "I have this great idea and am starting a company and want to make sure I am covered for everything". And then I have to break the news that there is no way an insurance policy or bundle of polices can cover you for "...

06/20/2026

"When you work with H. Linwood Insurance Services, you're not just buying a policy.

You're getting Hadley and a team that:
✅ Speaks plain English — no insurance jargon
✅ Compares 400+ carriers to find YOUR best rate
✅ Only recommends what you actually need
✅ Is there when you need to file a claim
✅ Has been serving Carlsbad & California businesses since 2011

""She IS the call I make."" — Sara N. ⭐⭐⭐⭐⭐

Small businesses deserve big protection. That's what we're here for.
👉 hlinwood-insurance.com | 📞 (760) 828-0403

06/17/2026

I'm starting a 'Crazy Claim of the Month' and here is the first of many!

06/17/2026

Well today I got to play the client in the insurance arena after I woke up at 5am to a *BURST* water heater and a hell of a mess to deal with. Anyone who has gone through this knows, water damage is awful and can be super destructive and pricey to mitigate and repair!
As in ANY insurance claim, first things first, I assessed the immediate damage and tried to mitigate additional damage. In this case I turned the water supply off at the water heater and the structure, got towels out to mop up the water & do some clean up and reached out to an emergency plumbing company.
Then I got into the documenting stage of taking pictures and a video of the damage. Then I called Claims department to report the claim. I forced myself to stay calm and not panic or get frustrated or upset - nothing I could do at this point to go back in time!
It was a crazy day with plumbers, mitigation specialists, asbestos checkers all while herding 2 cats and a dog around to avoid getting stepped on. Whew - it was a LOT.
Just remember - Claims Happen and that is why you have insurance. Don't panic. Make a list, focus and tackle each thing at a time.
Oh, and as for water heaters, they last roughly 10 years. Mine was 10 yrs and 2 months old. Ack!

06/15/2026

https://www.linkedin.com/pulse/your-insurance-wont-cover-everything-thats-something-every-wood-mba-qdvnc/

Let me be upfront with you: filing a claim doesn’t automatically mean you’ll get paid. I know that’s not what anyone wants to hear, but it’s one of the most important things to understand about business insurance.

06/14/2026

"Mid-year check-in for small business owners 📅

Has your business changed in the last 6 months?
• New employees or contractors?
• New equipment or location?
• New services or products?
• Signed a contract requiring proof of insurance?

If yes — your coverage may need an update. An outdated policy can leave serious gaps right when you need it most.

At H. Linwood Insurance Services, we offer FREE policy reviews. No commitment, no pressure — just clarity on where you stand.

📞 Call Hadley: (760) 828-0403
👉 hlinwood-insurance.com/contact"

06/12/2026

"You didn't start your business to think about insurance.

You started it because you're passionate about what you do.

We get it. That's why Hadley and the team at H. Linwood Insurance Services make coverage simple, affordable, and completely tailored to YOUR business — so you can focus on what you do best.

With access to 400+ carriers and years of experience serving businesses right here in Carlsbad and across California, we've got you covered.

💼 Let's protect what you've worked so hard to build.
👉 hlinwood-insurance.com/business-insurance-quote
📞 (760) 828-0403"

06/10/2026

"📋 The 3 policies most small businesses actually need:

1️⃣ General Liability — protects you if a customer is injured or property is damaged
2️⃣ Business Property Insurance — covers your equipment, inventory & workspace
3️⃣ Professional Liability (E&O) — protects you if a client claims your advice caused them harm

At H. Linwood Insurance Services, we offer ALL of these and more — from Cyber Liability to Workers Comp to Commercial Auto.

We compare 400+ carriers so you're never overpaying for coverage you don't need.

Not sure what applies to your business? Hadley will walk you through it — no pressure, no jargon.

👉 hlinwood-insurance.com/business-insurance-quote
📞 (760) 828-0403"