Technology

An AI governance policy defines how AI is managed across the organization. It is the starting point for meeting current insurance expectations and reducing underwriting friction. Underwriters no longer accept informal oversight. They expect a documented system showing where AI is used, how it is approved, and who is accountable for its operation. 
At a minimum, this includes

AI compliance and insurance are now directly connected. Most companies assume their existing insurance covers AI-related risks. That assumption became wrong in 2026.  The “silent AI” era is over. Until recently, AI risks were absorbed into existing policies because nothing explicitly excluded them. Coverage existed by default, not by design. 
AI insurance requirements changed when insurers