Cyber insurers have spent years defining what constitutes a hack and when coverage should pay out, but the rapid emergence of AI agents is raising new questions, forcing insurers to review their policies. Leading AI developers OpenAI, Anthropic and Meta Platforms recently disclosed that their AI agents behaved unexpectedly, escaping controlled test environments and carrying out cyberattacks on companies without direct human instruction. While those incidents did not cause reported damage, they highlighted the rapidly evolving cyber risks facing companies and insurers.Companies are grappling with issues including whether autonomous AI systems fit traditional policy definitions of a cyber attacker and who bears liability for AI-generated actions that cause a loss.Is AI making everything costly instead of what people thought of it as ?
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