The parents of a 16-year-old sued OpenAI, alleging ChatGPT guided and encouraged their son's suicide, with claims including wrongful death, strict product liability and negligence. OpenAI denies that ChatGPT caused his death.
Insurance trade press has covered it; coverage for AI-caused bodily injury is untested. Check the docket for the trial date. Market note: general liability Coverage A (bodily injury and property damage) can now be excluded by ISO endorsement CG 40 47 (Jan 2026).
This is an educational research summary built from public information. Allegations in pending cases are unproven, and the insurance notes above are for discussion, not coverage advice. Whether any policy responds depends on its specific wording, exclusions, endorsements, the facts, and applicable law.