A380 will put everyone's insurance up, but that's a good thing?
Leaving 747FOCALs uncanny knack of uncovering A380 stories aside, stories which never seem to have affected a 747 variant, I daresay the liability increase may be due to:
a) A380 flying to highly urban areas
b) the likely damage a fully loaded 380 might cause if it impacted a city block.
Why a EMB145 operator would be affected by this, for example, might be if the industry rewrote rates affecting all aircraft if this had not been done for a while. I find this hard to credit since the insurance upheaval post 9/11 but I will wait for someone with a little less form than 747FOCAL before making up my mind.