AI GOVERNANCE & INSURABILITY
Underwriters reward control. The same things a proposal form asks you to confirm — a written usage policy, human review, intact guardrails, recognized frameworks — are what decide whether this market will quote you, how many carriers compete, and on what terms. Governance is not paperwork. It is leverage.
STRONG CONTROLS DON'T JUST REDUCE RISK — THEY OPEN MARKETS
HOW YOU GOVERN AI IS HOW UNDERWRITERS PRICE IT
This is a young, specialty line written by a narrow set of markets. They cannot inspect your AI directly, so they read your controls instead. The difference between a hard-to-place account and a competitively-quoted one is usually governance.
When a carrier evaluates a generative AI risk, they are really asking one question: does this business have its hands on the wheel? A documented usage policy, a human reviewing outputs, vendor guardrails left intact, alignment to a recognized framework, and a record of inputs and outputs all answer yes — and each one widens the field of carriers willing to write you.
The reverse is just as true. An undocumented, unmonitored deployment is hard to assess, and what underwriters cannot assess, they decline or load. Good governance is the single most controllable factor in your terms.
WHERE DOES YOUR PROGRAM SIT — AND WHAT DOES IT BUY YOU?
Select a tier to see the signals it sends, how an underwriter reads it, and the practical effect on the markets and terms available to you.
TWO FRAMEWORKS THAT SPEAK THE MARKET'S LANGUAGE
You do not have to invent a governance program from scratch. Two recognized standards give underwriters a shorthand for how seriously you manage AI risk.
NIST AI Risk Management Framework. The voluntary U.S. framework built on four functions — Govern, Map, Measure, and Manage — with a dedicated Generative AI Profile (NIST AI 600-1, published July 2024) that names twelve risk categories specific to generative AI.
ISO/IEC 42001:2023. The first international, certifiable AI management system standard — an auditable program you can be formally certified against, much like ISO 27001 for information security.
A FRAMEWORK GIVES UNDERWRITERS A SHORTHAND FOR TRUST
NIST vs ISO 42001 — AND WHAT EACH DOES FOR YOUR SUBMISSION
Expand each dimension to compare the two frameworks and see how they translate into insurability.
A voluntary U.S. risk framework: four functions (Govern, Map, Measure, Manage), plus the Generative AI Profile naming twelve GenAI-specific risks.
An international management-system standard for AI — a structured, certifiable program for governing AI across its lifecycle.
Self-attested alignment, supported by your own internal evidence — policies, risk assessments, and documentation mapped to the functions.
Independent, third-party certification against an audited standard — an external party verifies your management system.
You have an operating model for identifying and managing AI risk — and a vocabulary that maps to how the market thinks about generative AI exposures.
You run an audited system with defined roles, controls, and continual review — a higher bar of demonstrated maturity.
THE CONTROLS THAT ACTUALLY MOVE THE NEEDLE
These are the confirmations a generative AI proposal form asks for directly. Each one you can answer cleanly improves how your risk reads.
WRITTEN AI USAGE POLICY
A documented policy, available to employees, defining acceptable and prohibited uses of AI and its outputs.
VENDOR GUARDRAILS INTACT
You have not altered or removed the safety mechanisms and guardrails the AI vendor built in.
HUMAN REVIEW OF OUTPUTS
A person reviews outputs before they reach customers or the public, wherever that is feasible.
CLEAR AI DISCLOSURE
You conspicuously tell third parties when they are interacting with, or relying on, AI output.
INPUT & OUTPUT LOGGING
You retain a history of inputs and outputs, so an incident can be reconstructed and reviewed.
COUNSEL-REVIEWED NOTICES
Your public privacy notices are reviewed by qualified counsel, with consents obtained where AI processes protected information.
STRONG CONTROLS STILL NEED A POLICY THAT RESPONDS
Governance lowers the odds of a loss and improves your terms. It does not, by itself, make a policy pay. The two are partners, not substitutes.
EXCLUSIONS DON'T CARE HOW WELL YOU GOVERN
The standard-form AI exclusions, effective January 1, 2026, can carve generative AI out regardless of how strong your controls are. Good governance does not reopen an excluded policy.
GOVERNANCE SHAPES THE DEAL
Your controls influence appetite, pricing, and conditions on an affirmative policy — they make carriers want to write you. They are the lever, not the policy itself.
CONTROLS PLUS AFFIRMATIVE COVER
Documented governance paired with an affirmative generative AI policy is the strongest position: lower likelihood of loss, and a policy actually written to respond when one happens.
BUILT FOR ESTABLISHED BUSINESSES READY TO SHOW THEIR WORK
This affirmative market is designed for companies at scale that can document how they govern AI — and we help you assemble that story into a submission underwriters take seriously.
PART OF THE GENERATIVE AI INSURANCE STACK
Governance runs underneath every trigger. Explore how it connects to the rest of the cluster.
AI GOVERNANCE & INSURABILITY QUESTIONS
DOES STRONG AI GOVERNANCE ACTUALLY HELP ME GET COVERED?
SHOULD I USE NIST AI RMF OR ISO/IEC 42001?
IF MY GOVERNANCE IS STRONG, DO I STILL NEED A POLICY?
WHAT IF WE HAVE ALMOST NO FORMAL GOVERNANCE YET?
IS THERE A MINIMUM COMPANY SIZE FOR THIS COVERAGE?
HOW DO I GET A QUOTE FROM KELLY INSURANCE GROUP?
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