Cybersecurity insurance was a topic last term at the tech/law group on campus, see also Josephine Wolff https://direct.mit.edu/books/oa-monograph/5373/Cyberinsurance-PolicyRethinking-Risk-in-an-Age-of

This month, I found out my business insurance split out cybersec from the general policy a couple years ago and never told me, so I had to pay a $300 upcharge for it for a new contract that needed it specifically. Also a new $7 terrorism fee.

Probably you can s/cyber/AI/g and guess where things are heading.