DSI 001 · For insurers, MGAs and brokers
The exposure is being excluded faster than it is being priced
DSI 001 gives underwriting a portable, independently assessed governance signal to evaluate, refer, condition or price autonomous-system risk, rather than exclude it wholesale.
Last updated [25 June 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.
Where the market was
Silent cover
Priced at a class average with no system-level signal.
Where it is heading
Explicit exclusion
A fast-moving exposure excluded, with a thin affirmative market on the other side.
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.
D1Autonomy. How much runs without a human approving each decision?
D2Data. What is exposed if a decision is wrong?
D3Contract. Is liability allocated across the contract chain?
D4Liability. Are autonomous-action consequences recognised and treated?
D5Leverage. How dependent is the business on the system running?
D6Stability. Does governance keep pace as the system changes?
The signal an underwriter can act on
State 00
Unclassified
Priced blind, or excluded.
State 01
Assessed
A first independent read, 60-day window.
State 02
Compliant
GBI at or below 2.50, governance evidenced.
State 03
Certified
GBI at or below 1.75, with surveillance.
Bring a governance signal 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.
Status and limits. DSI 001 does not determine insurability or create cover. A GBI score carries evidential value only when issued by an accredited DSI 001 assessor against the methodology; self-scored or indicative figures are not DSI 001 results. DSI 001 does not determine legal compliance, regulatory approval, insurability, creditworthiness, or the discharge of fiduciary duties. It provides a scoped governance classification and evidence record that may be relevant to those analyses.