The exposure is being excluded faster than it is being priced
DSI 001 gives underwriting a portable, independently assessed governance evidence record to evaluate, refer or condition autonomous-system risk, rather than exclude it wholesale.
Last updated 1 July 2026. This page describes fast-moving market and regulatory conditions; confirm the current position at the point of reliance.
The shift underwriting is living through
From January 2026 the Insurance Services Office issued three standardised generative-AI exclusions, and market reporting indicates significant carrier movement toward adopting them or proprietary equivalents. Publicly disclosed affirmative AI-liability capacity remains limited.
What the GBI gives underwriting
A governance input that supports underwriting evaluation and may inform referral, conditions, sub-limits or renewal review. It does not determine insurability or create cover.
The classification an underwriter can act on
Bring a governance evidence record into the file
Request a governance-conditioned submission for a risk you are evaluating, and read the underwriting view of how the GBI maps to coverage architecture. For a worked profile, the FinCo Credit Engine worked example sets out the three coverage gaps and the path from conditional cover to standard terms.