Essays··8 min read
The Insurance That Does Not Yet Cover the Agent You Just Deployed
Commercial insurance is not lagging behind agentic AI—it is retreating from it. Standard Tech E&O policies now carry explicit AI exclusions, vendor contracts cap indemnity at 12 months fees, and SR 26-2 leaves agentic workflows outside traditional model risk management altogether. The gap is structural: institutions deploying agents in 2026 are accepting uninsured tail liability that existing products and contracts were never written to cover.
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