You are already writing AI risk. You just cannot see it.
Somewhere in your book are insureds whose consequential decisions are made by systems nobody in the business can explain, with no named human accountable for the outcome. Nothing on a proposal form asks.
And you know the shape of what comes back when it goes wrong. The system made the call, nobody understood it well enough to be responsible for it, so no individual can be held to it. AIC exists to make that answerable — and verifiable by you, without taking anyone's word for it.
To be plain about where this stands: no insurer currently recognises AIC certification, and no organisation has been certified yet. This page sets out what the signal would be and how recognition would work. We would rather propose it than describe it as though it already exists.
What you have today, and what this adds
AI governance reaches you the way most non-financial risk does: as the insured's own account of itself. The gap is not that organisations lie on proposal forms. It is that nothing on the form can be checked.
One field on a proposal form, answerable in thirty seconds
No login, no account, no call to us. A certificate number resolves to a record that states its own scope and its own expiry, and shows plainly when something has lapsed or been suspended.
A badge that cannot visibly lapse is a badge that means nothing. The status history stays on the record — a revoked certificate is marked revoked, never quietly deleted.
- Division
- D3 Reviewed — AI decides, humans review a defined sample
- Scope
- Retail credit origination and collections decisioning
- Accountable Person
- Named on the certificate record
- Issued
- 14 February 2027
- Expires
- 14 August 2028 · 18-month cycle for D3
- Continuous monitoring
- Live — telemetry coherent with declared Division
- Status history
- No suspensions, no revocations
Illustrative. AIC has issued no certificates — the public register is empty and says so. This is the shape of the record, not a real one.
Confirm a status directly from AIC — never from the insured
An insured presents an AIC badge
Every AIC certificate carries a QR code and a verify URL — printed on the badge, not just claimed in a proposal.
You confirm it directly with AIC
The verify page answers in under 30 seconds, with no login: status, scope, Division, expiry, and whether continuous Pulse monitoring is live.
The status is never taken on trust
A suspended or lapsed certification shows plainly, with its history — a badge that can visibly lapse is a badge that means something.
An evidence-based audit, not a self-declaration
AIC certification is an evidence-based audit against published requirements, mapped to the regulatory frameworks that apply to the certified organisation. It confirms that a named individual is accountable for the organisation's AI-driven decisions, that an override process exists, and that the certification is checkable — not just claimed.
A certification that can quietly lapse without anyone noticing isn't worth much. Certified organisations can carry the Continuously Monitored overlay when Pulse telemetry is live and coherent — a mark that stays accountable after the audit, not only on the day of it.
AIC also runs a free, self-declared tool called AIC Aware. It carries no independent verification, never appears on the certified register, and is not something an underwriter should price against — that is what the audited mark is for.
Naming who recognises the mark — not what AIC does for you
Where an insurer has agreed to treat AIC certification as a factor in underwriting, the certificate's verify page names that directly:
AIC Certified · Recognised by [Insurer Name] as an underwriting consideration
Deliberately not “for premium benefit”. Whether verified AI accountability correlates with insurable risk is an open question, and the evidence to answer it does not exist yet. That is the question worth testing together — not a claim to make in advance of it.
What AIC does not do
AIC certifies governance, not products, and does not conduct assessments on behalf of an insurer or for insurance purposes. AIC does not price risk, underwrite, or advise on coverage. An AIC certification is one input an insurer may choose to use — the decision, and the terms, remain the insurer's alone.
The direction matters: insurers recognise AIC certification — AIC does not certify for insurance. That line is what keeps the certification body impartial, and it is not open to blurring.
The useful question is whether this predicts anything
AIC is not asking any insurer to endorse a certification. It is building an independent, evidence-based measure of AI accountability, and the open question — whether it carries real underwriting signal — can only be answered with insurers rather than at them.
If that is a question your team finds interesting, we would like to talk about how it could be tested: what would need measuring, what AIC would provide, and what would count as an answer either way.
Start that conversation