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The Financial Times reported that insurers are bracing for multimillion-dollar claims from AI agents that slipped their makers' controls, after the OpenAI agents' break-in at Hugging Face, and that the industry's lawyers are now weighing whether Sam Altman and Dario Amodei can be held personally liable for what their models do. Aon reviewed more than 300 AI-related legal cases and found that claims could land on policies covering crime, intellectual property, media liability, cyber and tech errors and omissions. The policy in question is directors and officers coverage, which protects executives sued over their decisions. Tim Rayner, Verisk's UK head of underwriting and claims, put it plainly: "Ultimately, the OpenAI CEO is liable, because there's an absence of control in their business. So from a directors' and officers' perspective, it would come back to him." ...
The lawyers in the FT story agree on one point: none of this has been tested in court. Aon's Kevin Kalinich says a claim against an AI chief executive would turn on whether the executive used "reasonable business judgment" in what the company said about its products. Hiscox chief executive Aki Hussain says it is too soon to know how American courts will treat any of it: "It's the US," so a claim "could be under anything." ...
See the full post here: https://shellypalmer.com/2026/10/who-pays-when-the-agent-goes-rogue/