Artificial intelligence (AI) and business. Let’s just say it’s a complicated relationship. On the one hand, AI can streamline operations, automate tasks, and boost productivity tenfold. On the other, it’s creating a new wave of cyber threats that are far more targeted and harder to detect than ever before.
For anyone responsible for risk management and insurance coverage, this is an issue that deserves attention, especially now in 2025, when too many businesses aren’t protected from cyber-attacks the way they need to be.
Cybercriminals have a new partner in crime: AI. Now, phishing emails that used to be full of typos are polished - disguised as executives or customers by using AI-generated text, voice, or even video. AI can even help hackers launch automated attacks before IT teams can respond.
This means businesses of all sizes need to rethink how they manage risk and take a closer look at the cyber-insurance policies they have in place (if any at all) and make changes so they have the protection they need.
Many cyber-insurance policies were written before AI made its way into every home and business. This means that some common risks may not be covered. This could include:
AI-generated fraud - Is your business covered if an AI generated email goes out to your customers that convinces them to wire funds to a fake account?
Rapidly evolving malware - Malware can now change its coding to escape detection.
Synthetic identity attacks - Systems can now be breached by criminals using an AI-generated persona that can get past verification protocols and passwords.
Business owners also need to make sure their policies are broad enough to handle the scope of today’s risks. AI-driven attacks can cause large scale interruptions, and this means higher costs to recover, including legal fees and fines.
It’s also important to note that the underwriting process is becoming even more thorough. When making changes to your policies or seeking financing, you may need to prove that your business has up-to-date security measures in place to handle cyber threats effectively.
Many insurance carriers are introducing new policies that specifically address AI-related risks. Others are partnering with cybersecurity firms to provide broader support before and after an incident. But not all insurers are moving at the same pace.
Now is a good time to talk to Roehr Insurance about how your coverage stacks up against today’s threats. It’s time to ask: Is my policy built to respond to the AI-driven attacks we’re seeing in 2025? If not, it’s time to make some important changes.
