The key bit is
why those niches have it: typically either regulators require it or clients require it (sometimes specifying it to a given value in their contract). And that's because the consequences of mistakes some professions make can be
very expensive relative to the size of their business. Also helps that a lot of the errors they cover are very rare so pooling the risk as insurance makes more sense...
cf an airline chatbot agreeing to an inappropriate refund or giving wrong advice that leaves the airline deciding to apologise and pay their holiday-related expenses. Those are costs it makes more sense for the airline to eat than get their insurers to price up (unlike other aviation insurance which can be for eye-wateringly large sums) even if it happens several times a month (which if your chatbot is an LLM supposed to handle a wide variety of questions it probably does). Same goes for the human sales representatives who may work with higher-stakes relationships than chatbots but the consequence of their error is usually not much bigger than issue refund or lose client relationship
I guess chatbots/LLMs will end up as a special case for professional indemnity insurance in a lot of those regulated firms as lawyers/accountants start to use them in certain contexts.
