The Agentic AI Liability Gap

December 17, 2025
The Luminos AI Team

Most organizations are asking the wrong question about agentic AI. They're asking "when will regulations tell us what to do?" when they should be asking "how do we build governance frameworks that protect us now?"

Here's the problem with waiting: when you give AI systems agency to act on your behalf, you're not just deploying another tool. You're opening up the universe of potential liabilities to everything that comes with delegation and autonomous action.

When regulations do arrive, they'll likely hold organizations accountable for governance gaps that existed before the rules were written. The companies that built defensible frameworks early will be in a far stronger position than those who treated agentic AI deployment as an experiment without guardrails.

Agency Changes Everything

The shift from generative AI to agentic AI isn't incremental, it's fundamental. When an AI agent can take actions without your direct control, especially when it's interacting with other AI agents, you're entering territory that looks a lot more like employment law, contract law, and fiduciary responsibility than software deployment.

Think about it this way: if you give someone agency to negotiate on your behalf and they make a bad deal, you're still liable. If an agent misrepresents your company's capabilities or commitments, those are your liabilities to manage. The same principle applies when that agent is powered by AI, except the speed and scale of potential issues multiplies exponentially.

What Governance Actually Looks Like

Building governance for agentic AI doesn't mean slowing down innovation. It means deploying these systems with clear boundaries, documentation, and oversight mechanisms that let you move fast while managing risk. This requires understanding exactly what agency you're granting, to which systems, and under what conditions. It means having visibility into AI-to-AI interactions and the ability to audit decisions made without human intervention. And it means documentation that demonstrates you've thought through the liability implications before deployment, not after an incident.

Agentic AI represents a massive opportunity to scale operations and drive efficiency. But if your governance strategy is "wait and see," you're building technical debt that compounds with every deployment. The organizations winning with agentic AI aren't the ones waiting for perfect regulations, they're the ones building defensible frameworks now that let them capture opportunities while managing the expanded liability landscape.

Watch the full webinar here.

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