AGENTIC AI LIABILITY INSURANCE
When your AI stops waiting for a prompt and starts acting on its own — sending, transacting, executing, clicking through systems with no human approving each step — you have crossed into the highest-exposure profile there is. If this is your business, treat it as an instant yes.
NO PROMPT. NO PAUSE. NO HUMAN AT THE GATE.
THE MOMENT THE AI STARTS DOING, NOT JUST SAYING
A generative tool produces output a person decides what to do with. An agent removes that person. It takes actions automatically, without human intervention — and that single change is what reshapes the entire risk picture.
An agentic AI system completes tasks and triggers real actions on its own, with no human approving each step. The underwriting question is blunt: can your AI take actions automatically without human intervention? If the answer is yes, you are in this coverage part.
Every other AI exposure assumed a person could catch the problem before it caused harm. Agentic AI deletes that assumption. The same mistake that one reviewer would have stopped now executes immediately, repeatedly, and at scale — which is exactly why underwriters treat it as its own, higher-scrutiny risk.
RUNNING AUTONOMOUS AI? DON'T WAIT.
Of every profile in this market, agentic deployment is the one that warrants coverage at minimum, right now. If a tool runs your workflows without a human in the loop, the exposure is real and immediate.
HOW MUCH IS YOUR AI ALLOWED TO DO ALONE?
Drag the slider from "suggests" to "fully autonomous." Watch how the exposure — and who is accountable when it goes wrong — climbs with every rung.
AGENTS ESCALATE EVERY OTHER TRIGGER
Agentic AI rarely creates a brand-new kind of harm. It takes the harms you already saw — error, infringement, disclosure, physical action — and strips out the human who used to catch them, then runs them at volume.
ERRORS, MULTIPLIED
A wrong answer a reviewer would have caught now executes across every record or message before anyone notices.
SEE ERRORS & OMISSIONSCONTENT, PUBLISHED ALONE
An agent that generates and posts content can put infringing or defamatory material live with no human reviewing it first.
SEE IP & DEFAMATIONDATA, MOVED FREELY
An agent with system access can read, transmit, and expose protected data across tools without a person approving what it touches.
SEE DATA DISCLOSUREFLIP THE SWITCH. SEE WHAT THE HUMAN WAS FOR.
The same flawed decision, with and without a person at the gate. One is contained. The other is a cascade.
NOBODY WROTE THE OLD POLICIES FOR THIS
Agentic AI is so new that even the AI risk frameworks are still catching up to it — and the standard liability forms were written for a world where a human was always the one acting.
STANDARD-FORM EXCLUSIONS
Effective January 1, 2026, ISO endorsements let carriers exclude generative AI from standard liability policies — and autonomous action sits right in the middle of that excluded territory.
EVEN GOVERNANCE IS BEHIND
Early AI risk guidance was written for models that assist a human. Dedicated agentic-AI risk profiles are only now emerging — a sign of how far ahead of the rulebook autonomous deployment has run.
WRITTEN FOR AUTONOMY
A standalone policy can affirmatively cover loss from autonomous AI action — the errors, disclosures, and damage an agent causes on its own — rather than leaving it to forms that assumed a human pressed the button.
WHERE AGENTS ARE ALREADY ACTING
If any of these run without a human approving each action, you are squarely in this coverage part. Every one of them is, on its own, a reason to look.
AUTONOMOUS SUPPORT
Customer agents that resolve, refund, or commit on the company's behalf without a person confirming the action.
⚡ INSTANT YESAGENTIC CODING & DEVOPS
AI that writes, merges, and deploys code, or changes infrastructure, with no human gate on what ships.
⚡ INSTANT YESAUTOMATED OUTREACH
Agents that draft and send emails, messages, or outreach to real people on their own schedule.
⚡ INSTANT YESFINANCE & OPS AUTOMATION
AI that updates records, processes transactions, or moves money across systems without sign-off.
⚡ INSTANT YESBROWSING AGENTS
Tools that navigate and act on live websites — filling forms, clicking, purchasing — on your behalf.
⚡ INSTANT YESMULTI-AGENT SYSTEMS
Agents that hand work to other agents and tools, chaining actions far beyond where any human is watching.
⚡ INSTANT YESBUILT FOR ESTABLISHED BUSINESSES RUNNING AUTONOMOUS AI
This affirmative market is designed for companies at scale that have let AI act on its own — where a single unattended decision can run a long way before a human ever sees it.
PART OF THE GENERATIVE AI INSURANCE STACK
Agentic liability is one trigger — and the one that amplifies all the others. Explore how it connects to the rest of the cluster.
AGENTIC AI LIABILITY QUESTIONS
WHAT COUNTS AS "AGENTIC" AI?
WHY IS AGENTIC AI TREATED AS HIGHER RISK?
WE RUN AUTONOMOUS AGENTS. DO WE DEFINITELY NEED THIS?
DOES KEEPING A HUMAN IN THE LOOP REMOVE THE NEED FOR COVERAGE?
IS THERE A MINIMUM COMPANY SIZE FOR THIS COVERAGE?
HOW DO I GET A QUOTE FROM KELLY INSURANCE GROUP?
FIND RELATED COVERAGE FAST
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