Threat Intelligence

Insurers Divided on AI Risk, Leaving Some Businesses Exposed Without Knowing It

Dark Reading · 23 Oct 2026

Key Takeaway Ask your broker or insurer in writing whether your cyber and liability policies cover incidents involving AI tools, and check for any new exclusions at renewal.

The insurance industry is split on how to handle the risks created by artificial intelligence. According to Dark Reading, some insurers are developing specialised cover designed for agentic AI, meaning AI systems that can take actions on their own.

At the same time, several major carriers are quietly adding exclusions for AI-related risks to their policies. The result is that enterprises may be left exposed without realising it, believing they are protected when a claim involving AI could be refused.

The feed summary does not provide further detail on which insurers are taking each approach or how the exclusions are worded. Even so, the split is a clear signal that businesses should not assume their current cover extends to AI-related incidents.

cyber insurance AI risk agentic AI risk management

Summarised by CISO AI from Dark Reading, written with Claude Sonnet 5.5. We link back to every original so you can read it yourself.