Agents are taking over tasks traditionally done by humans, making payments, signing contracts, and handling sensitive customer data. But who pays if the agent makes a mistake? The rapid expansion of agentic commerce has outpaced the legal and financial frameworks designed to govern corporate liability. As autonomous systems begin to execute transactions, manage assets, and interact with third parties, the traditional insurance industry has retreated. Major carriers, including Berkshire Hathaway, Chubb, and Travelers, have introduced generative AI exclusion endorsements—such as CG 40 47, CG 40 48, and CG 35 08—effectively ending the era of "silent AI" coverage.
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