In Episode 43 of The Enlightened Agent, Jason Keck sits down with Ashley Bennett Jones, SVP of AI Risk and Advisory at Lockton, for a conversation about what AI actually means for risk, coverage, and the brokers caught in the middle of it all.
Ashley spent eleven years at Lockton and a stretch before that as an insurance coverage litigator. She has seen this industry from almost every angle. Now she is in a role that did not exist a couple of years ago, doing work the industry is only starting to realize it needs.
The conversation gets into why AI is not really creating new risk so much as turning up the volume on risk that was already there, and what that means for policies written before anyone had a clear picture of the exposure. They talk through the coverage Goldilocks moment, where AI was quietly included in existing policies until exclusions started appearing. They get into vendor supply chains, shadow AI inside companies, the HuggingFace incident, and what it looks like when an AI agent ends up in the D&O seat. None of it is theoretical anymore.
In this episode, they discuss:
Why AI risk is mostly amplified existing risk, and what that means for current coverage
The gap between a policy written twelve months ago and the exposure a company has today
How vendor contracts are creating liability that most companies have not thought through
What the HuggingFace incident means for companies relying on third-party AI tools
Why "we can't because regulators" is still the wrong answer, and what to do instead
How Lockton is walking clients through the AI risk conversation before the market forces it
If you are a broker, risk manager, or business leader trying to get your arms around what AI actually means for your coverage and your clients, this is the conversation to start with.
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