The Five Eyes AI Cyber Warning — and the Silent Gap in Cyber Policies
Intelligence agencies have warned that AI-driven cyber attacks are near-term, not years away. For commercial brokers, that raises a coverage question many cyber policies have not caught up to.
Wordings written before the threat
Many cyber policies were drafted before AI-generated phishing, deepfake social engineering, and automated intrusion were realistic, everyday threats. Some wordings are silent on AI entirely.
Silence creates ambiguity, and ambiguity at claim time tends to help no one.
Call the client before they call you
Commercial clients are reading the same headlines. The stronger position is to reach out first with a clear view of what their current cyber wording covers, where it is silent, and what questions to put to the carrier.
Confirm coverage specifics against the actual policy wording and the insurer before advising — cyber forms vary widely.
Make it a review, not a guarantee
Frame the outreach as a coverage review rather than a promise about any particular attack. The goal is to surface gaps while the client is calm, not during an incident.
The takeaway: AI is changing cyber risk faster than many policy wordings; proactively reviewing cyber coverage for silence and gaps is a high-value broker conversation right now.