AI Governance Advisors (AIGA) helps U.S. companies that build, sell or rely on AI answer the AI questions insurers now ask — across technology E&O, cyber, professional liability and D&O/management liability programs.
Inventory. Classify. Decide. Evidence.
AIGA helps you turn scattered AI use into accountable governance and usable evidence: an AI inventory, clear decisions, working controls and records your broker can put in front of an underwriter. That covers application and renewal questions, broker and underwriter questionnaires, pre-bind or risk-improvement requests, and AI exclusion discussions.
We work with CFOs, general counsel, risk managers, CISOs and heads of product or AI at companies whose AI use is being insured, questioned or excluded. We are not an insurance broker, and we do not interpret policy wording. Coverage and placement stay with your broker and coverage counsel. AIGA's two co-founding principals scope and deliver every engagement themselves. See the Team Bios.
Answer AI questions on insurance applications with accurate, evidence-backed responses.
Working controls and records your broker can put in front of an underwriter.
CFOs, general counsel, risk managers, CISOs and heads of product or AI.
"Our renewal application asks how we use and govern AI. What do we say, and what do we attach?"
"Our insurer added an AI exclusion, or our broker says one is coming. Can better evidence help the conversation?"
"The underwriter wants AI controls in place, or evidence of them, before binding."
"We sell an AI-enabled product, and customers and insurers want to know how we control it."
"If an AI-related incident becomes a claim, could we show what the system did and who approved it?"
The company that can show what AI it uses, how each use is controlled and who is accountable gives its broker more to work with than the one that can only answer "yes, we use AI."
Verisk's ISO published three optional generative AI exclusion endorsements, January 2026 edition: CG 40 47 and CG 40 48 for commercial general liability, and CG 35 08 for products/completed operations liability. As of July 2026, carriers are increasingly filing to use them.
At least one carrier's "absolute" AI exclusion for D&O, employment practices and fiduciary liability reaches claims arising out of AI use, AI-related disclosures, and inadequate AI policies, procedures or training.
Specialist programs now write coverage naming AI failures — including a Lloyd's-backed AI liability policy (April 2025) and an AI performance cover (February 2026).
A major broker's 2026 AI fact sheet lists questions carriers are developing: whether a human must verify accuracy before AI acts, whether AI actions are logged, and whether key vendors use AI with safeguards.
Market Context — Last reviewed: October 8, 2026
Our work makes your AI governance visible and checkable. Your broker decides how to present it to the market. Your counsel decides what the policy means.
AI Insurance Readiness Diagnostic
AI peril taxonomy, a coverage-gap matrix framed as questions for your broker and counsel, minimum controls and a 90-day roadmap
Underwriting Evidence Pack
Questionnaire-ready answers tied to evidence, an evidence index and a summary of AI governance your broker can share
Control Verification & Claims Readiness
Evidence verification against described controls, tracking of underwriter conditions, an AI incident record format and a claims-readiness decision tree
Every engagement has a fixed scope agreed in writing, with named deliverables and stated assumptions and exclusions. We share fees after a short scoping call.
Answer accurately and specifically, and attach evidence where the form allows. Start with an inventory of where AI is used. For each use, be ready to say what it does, what data it touches, whether a person reviews its output, what is logged and which vendors are involved. A truthful answer is usually safer than an aspirational one. AIGA helps you build the inventory, controls and evidence behind the answers.
Get the exact endorsement from your broker and ask what it reaches, whether it can be narrowed or removed, and whether other markets or affirmative AI coverage are options. AIGA helps with the evidence that supports the conversation: a clear inventory of how your company uses AI, the controls around each use, and records showing those controls work. AIGA cannot promise an exclusion will change.
Ask your broker for the exact condition in writing and the date it must be met. Separate what you can evidence today from what needs to be put in place, and give each gap an owner and a date. AIGA's Underwriting Evidence Pack turns this into questionnaire-ready answers tied to evidence. Control Verification & Claims Readiness then tracks conditions after binding.
Underwriters ask where AI is used and whether it faces customers; whether a written policy and approved-tool list exist; whether a person verifies output before AI takes action; whether AI actions are logged; how accuracy and bias are tested; what vendors and models you rely on; who owns the inputs and outputs; and how AI incidents are handled. AIGA builds an evidence index that ties each answer to its record.
No to both. AIGA is not a licensed insurance broker or agent, does not place or sell insurance, and does not contact insurance markets for you. AIGA does not interpret policy wording, give legal advice, price risk, perform actuarial work, test security, validate models, or audit or certify your program. AIGA helps your company govern its AI use and keep the evidence your broker, counsel and underwriters ask for.
For brokers, MGAs and underwriters: if a client's AI use is holding up an application, renewal, questionnaire or pre-bind request, you can refer the client to AIGA. Use the Submit an Information Request form below. Choose "External Referral" or "Partner" as the Lead Source, and put your client's company and the issue in the Project of Interest box. We work for the client, with the client's consent, and return the client to you for every coverage, placement and pricing conversation. We are not a broker and do not compete with you for placement.
Send us the question, exclusion or condition you're facing, the line of business, and your renewal or binding date. We will come back with a fixed-scope AI Insurance Readiness Diagnostic or Underwriting Evidence Pack proposal, with named deliverables, assumptions and exclusions.
In the Project of Interest box on the form, please include:
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