Who is liable when an AI agent goes rogue?

This piece spotlights a looming governance gap: as autonomous agents execute real-world actions, traditional liability frameworks—built around human intent and control—break down. The significance extends beyond legal theory to market mechanics, since unclear accountability could chill adoption by enterprises and insurers alike. The core tension is whether courts will treat agents as tools (user liability) or as independent actors (platform liability), which will shape risk pricing and compliance costs. What matters next is whether regulators move toward presumptive liability rules or leave it to case law, as that determines how quickly institutional capital can confidently engage.