Disclosure
Disclosure
Certified companies tell end users how AI is used. That lowers both the number of claims and the cost of the ones that come. The disclosure record becomes the defense file.
SiteTrust Insurance · For Companies
Cover The Gap The Market Just Opened.
Standard insurers are pulling back from AI exposure. SiteTrust is building the way back through AI liability coverage grounded in the accountability our certification proves.
Jan 2026
Standard policy forms begin excluding generative-AI exposure from liability.
9 in 10
Corporate insurance buyers want dedicated coverage for AI risk, with third-party liability near the top.
~$4.8B
Projected annual AI-insurance premiums by 2032, a market growing near 80% a year.
The Shift
The standard market chose to step backrather than price the unknown.
Effective January 1, 2026, the policy forms the broad commercial market runs on began allowing carriers to remove generative-AI exposure from general liability. Professional liability carriers are following. The retreat is rational: underwriters price against loss history, and a technology that changes monthly doesn't offer much of one.
But every exclusion the market writes is a gap opening exactly where AI-using companies live. Businesses are being told, in plain policy language, that the AI-driven harm they worry about most is no longer covered, and that they have nowhere obvious to turn.
Oversight
Human oversight
A governance framework keeps a person accountable for how AI-influenced decisions are made and reviewed. This creates a definable interest a policy can attach to.
Verification
Ongoing verification
Independent, annually renewed certification gives a carrier a live signal that the risk it priced at the start is still the risk on the books.
The exclusion defines the product that now needs to exist.
Where the market sees an unpriceable unknown, SiteTrust sees a risk that becomes legible the moment a human stands behind it.
The Principle
Accountable AI is insurable AI.
The work of being accountable for AI, disclosure, human oversight, independent verification, is the same work that makes AI insurable. Trust and insurability aren't two projects. They're one.
Already Certified?
You're already most of the way to covered.
As a SiteTrust Certified company, you've already done the work insurers want to see: disclosure, policy, human oversight, and independent verification. Instead of starting from zero, you start most of the way through.
Tell us what we don't already know, and we'll move you toward coverage, fast.
Start the fast trackWhat you've already done
- Published AI disclosure
- Documented AI policy
- Human oversight structure
- Active registry listing
- Independent verification
Most of a carrier's submission package is already on file.
Talk to us about coveragebuilt on accountability.
Whether you're already certified or just exploring what responsible AI requires, we will walk you through where SiteTrust Insurance is headed and what it could mean for your company.