Many people are still uncertain about the meaning and insurance implications of antibiotic resistance. For liability insurance the problem is one of quantum inflation and increased probability of claim. Antibiotic resistance directly means that the severity of problematic food poisoning and broken skin injuries increases, leading to quantum inflation and, people with severe injuries are more likely to claim, leading to frequency inflation. Claims for antibiotic resistance per se would be rare since resistance is  a naturally occurring event. Injury severity, premature death and the higher risks involved in elective medical interventions would have effects on life insurances. If all food was properly cooked, there would be no food poisoning claims. If wounds were thoroughly cleaned and disinfected the rate of severe infection would be reduced. Liability attaches to the cause of infection, not (yet) to the cause of resistance. A new technology is needed On the whole antibiotics do not im