AI-driven threats push cyber underwriters toward new risk frameworks

Source: Middle East Insurance Review | Feb 2026

Underwriters are expected to focus on AI risk management this year, says Gallagher in a report on the cyber insurance market.

In its “2026 Cyber Insurance Market Outlook”, Gallagher lists AI as one area that would impact the market, saying that the sudden onset of AI-based attacks and other risks arising from AI usage have driven the immediate need for more advanced cyber defence strategies.

Measures that both AI developers and adopters are expected to take include:

Establishing robust governance frameworks
Implementing transparent and explainable AI (XAI) models
Adopting XAI models
Ensuring data quality and bias mitigation
Enhancing security measures
Observing adopting ethical AI principles
Considering new AI leadership roles: the Chief AI Officer
Revising Cyber incident response plans: the AI incident response plan. M

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