While the frequency of antibiotic resistance continues to rise, the effect on liability loss mitigation remains unclear. Academic and official interest in antibiotic resistance has been focussed on long term public health risk assessment  but fails to express the problem in terms that could assist with liability exposure risk assessments. There are two extremes which are obvious. 1) every infected liability-related injury fails to respond to all known antibiotics. In this case the claimant relies on their own immune system to fight off infection. Surgery and boosting immune competence could assist if provided in the early stages. For liability insurers there would be increased medical costs and a more severe injury to compensate. 2)  when one antibiotic fails, another one is tried and works. In this case the effect on liability exposure is a marginally more severe loss to the claimant and a small increase in medical costs. Should liability insurers be worried? The answer really depends