Scenario Library / AI regulatory violation
AI regulatory violation

Companion-chatbot safety laws multiply across states

California's SB 243 and a New York law regulating companion chatbots took effect in late 2025, and Washington, Oregon and Colorado follow on 1 January 2027. The laws set duties on disclosure, age checks and self-harm protocols.

Consumer & Social Platforms 2025-2027 Verified in a source

Insurance products that may respond

Cyber / Regulatory defenseTech E&OD&O

Why it matters for insurance

Duties on disclosure, age estimation and self-harm protocols.

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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.

Reviewed by Andrei Craciunescu, CA Licensed Insurance Broker #4467994