The 2026 insurance market does not yet offer agent-specific E&O policies in any mature form; existing cyber and tech-E&O policies were drafted against human-error and software-defect risk models that don't cleanly map to autonomous reasoning actors. Enterprises shipping agentic-AI face an underwriting gap: the cyber policy may not respond to a loss caused by an agent's reasoning step, and the professional-liability policy may exclude AI-generated outputs entirely. CIOs and CROs need to surface this gap with their broker before the loss event, not after.

Logged as Partial at publication. Spine is defensible from Lloyd's, Marsh, Munich Re, AIG, Chubb, NAIC, and Geneva Association public material through 2024-2025. Three review checks at +60d: a settled off-the-shelf agentic-AI E&O product with standard wording from a major carrier, a reported claims case testing legacy cyber or tech-E&O response to an agent-caused loss, a regulator action requiring carriers to address autonomous-actor risk explicitly. None moved → Partial holds. One or two → Holds. All three → Strengthened.