Insuring autonomous-agent errors, omissions and liability
Agent failures can generate erroneous purchases, data disclosures, professional mistakes and physical or financial consequences; insurers face new risk classification and coverage questions.
Executive question
Are current policy terms explicit about autonomous-agent acts and losses?
What to measure
- Exposure inventory to autonomous operations
- Claims by causation and policy section
- Coverage disputes and exclusions
- Customer demand for AI-specific cover
Relevant products and standards
Liability insurance for small and medium US businesses covering lawsuits from their use of AI, sold through partner insurers' business policies. Announced March 2026, pending regulatory approval.
Insurance that covers losses when an AI system underperforms: one way the risk of agent errors can be transferred.
Relevant examples, not documented integrations, completeness, certification or endorsement. Listed alphabetically.
Evidence and current limits
Strategic pathway; not an observed market-wide adoption rate.
Draft analysis, under editorial review.