Artificial intelligence is transforming how businesses operate—but with innovation comes new, complex risks. A recent lawsuit—Raine, et al. v. OpenAI, Inc., Docket No. CGC25628528 (Cal. Super. Ct. Aug 26, 2025)—spotlights this dynamic and highlights why tried-and-true insurance products are still a critical first line of defense. On August 26, 2025, the parents of a 16-year-old boy sued OpenAI, its CEO Sam Altman, and certain employees and investors.