Insurers launch cover for losses caused by AI chatbot errors

On one hand this seems to be an acknowledgement that improper use of AI can cause serious damage, which is good. On the other hand, I am wondering if this could encourage companies to be even more lax in their use of it, given that there’s insurance to cover their asses. Really wondering how selective the insurers are actually going to be, whether this will lead to widespread adoption of better practices and standard or not.