Insurers are starting to exclude AI from standard policies and to cover it affirmatively only when they can see how it is governed. AxiLayer AI turns your AI governance into signed, current evidence an underwriter can read.
Last verified: 23 October 2026
Most AI risk has been covered silently under existing policies. That is changing fast: some standard policies now exclude AI outright, specialist insurers offer affirmative AI cover only after they see evidence, and new certification schemes for AI agents are being paired with insurance.
These are the questions brokers and underwriters increasingly ask about AI, from E&O and cyber to D&O and specialist AI liability, and the evidence AxiLayer AI produces for each.
| What the insurer asks | The evidence AxiLayer AI provides |
|---|---|
| Do you have a complete inventory of the AI systems you build, buy and use? | An AI inventory with owners, purpose, vendor, data and risk tier, including tools teams adopted on their own. |
| Which AI systems make or influence decisions about customers, patients, employees or money? | A risk classification of each system against the rules that apply in each market, with the high-impact systems flagged. |
| How do you test AI systems before release and after each change? | Test plans and results for accuracy, robustness and error rates, re-run after every model or data change. |
| How do you check for bias and unfair outcomes? | Bias and fairness testing across relevant groups, with thresholds, results and remediation records. |
| Who can override or stop an AI system, and how fast? | Documented human oversight, escalation paths and stop procedures, with evidence they are used. |
| How do you monitor AI systems in production? | Continuous monitoring of performance, drift and incidents between scheduled reviews, with alerts and records. |
| What happens when an AI system gets it wrong? | An incident log with root cause, customer impact, notifications and corrective actions. |
| Which third-party and foundation models do you rely on? | A register of external models and vendors, with contract terms, change notifications and upstream monitoring. |
| How do you prevent and detect hallucinations, data leakage and IP exposure? | Output testing, content controls and data-handling checks for generative AI, with results on file. |
| Which AI laws apply to you, and can you show compliance? | A mapping of each system to the laws, regulations and standards that apply in each market, with evidence for each obligation. |
| Has anyone outside your company reviewed this? | Third-party assessment with findings reviewed and signed by a qualified AxiLayer AI auditor, re-verifiable at any time. |
| How do you keep records for regulators, auditors and claims? | A tamper-evident evidence chain with dates, versions and sign-offs, ready to share with an underwriter or a court. |
| Do your contracts allocate AI risk with customers and suppliers? | A review of AI-related terms, warranties and indemnities against the evidence you actually hold. |
| Is the board informed about AI risk? | A board-level summary of AI exposure, controls and open findings, updated on a set cycle. |
| How quickly can you show all of this? | Evidence that is current every day, not assembled the week before renewal. |
Twelve questions, about three minutes. Your score and your evidence gaps appear on screen straight away. Nothing is sent unless you ask for the full results.
Show your broker a current, signed record of how your AI is inventoried, tested, monitored and overseen, instead of a questionnaire answered from memory.
A third-party evidence record supports underwriting, renewal and claims. Clients can share findings with you, and anyone can re-verify a record on our Verify page.
A one-page view of AI exposure, controls and open findings, so directors can answer the questions their D&O insurer now asks.
We assess your AI systems, sign the findings, and package the evidence your broker and underwriter ask for. Every finding is reviewed and signed by a qualified AxiLayer AI auditor.
Request a briefing Verify a recordThis page is general information about insurance trends, not insurance or legal advice. AxiLayer AI is not an insurer or broker and does not promise coverage, premiums or terms.
Often only silently, and less every year. Some standard commercial policies now exclude AI outright, while specialist AI liability policies offer affirmative cover for model errors, hallucinations and agent failures, usually after the insurer reviews how the AI is governed. Check your E&O, cyber and D&O wording with your broker.
Insurers increasingly ask for an AI inventory, risk classification, testing and bias results, human oversight, production monitoring, an incident log, a register of third-party models, and an outside review. AxiLayer AI produces each of these, with findings signed by a qualified AxiLayer AI auditor.
It is affirmative cover written specifically for AI risks, such as losses from model errors, hallucinations, agent failures, data leakage and some AI regulatory violations. Lloyd’s-backed products offer limits up to $25 million, and some agent standards pair certification with cover up to $50 million.
No one can promise a premium outcome, and AxiLayer AI does not. What a signed third-party evidence record does is answer the underwriter’s questions with facts, which supports a clearer conversation at placement and renewal.
Take the Quick Check above to see your gaps, then request a briefing. We assess your AI systems with AxiSentinel, a qualified AxiLayer AI auditor signs the findings, and we package them as an Insurer Evidence Pack for your broker.
