Warner Bros. Discovery sued Midjourney in September 2025, alleging the image generator copies characters such as Superman and Scooby-Doo. It followed Disney and Universal's suit, and businesses that use such tools for marketing could face similar downstream claims.
Output-based infringement is the theory that reaches businesses that merely use image tools. Check AI exclusions on media and advertising-injury cover. Market note: general liability Coverage B (personal and advertising injury) can now be excluded by ISO endorsements CG 40 47 or CG 40 48 (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.