Cyber insurers are rewriting the rules on AI risk. Some carriers are adding affirmative coverage while others carve AI out of traditional policies — and Shadow AI is at the center of the shift. With 20% of breaches now tied to unsanctioned AI tools, visibility and governance are becoming underwriting requirements.

AI agent sprawl is accelerating: from fewer than 15 agents in 2025 to over 150,000 by 2028 at the average Fortune 500. Only 13% of organizations feel ready. Why AI sprawl is the fever — not the disease — and what leaders must do now.

Clickwrap agreements (with explicit “I Agree”) were enforced, while browsewrap (hidden terms) were not. Clear consent matters more than ever in SaaS, AI tools, and digital contracts. Strong takeaway for Shadow IT governance.