SiteTrust Insurance · For Professionals
Your malpractice or E&O policy was written before AI was in your workflow. Most are silent; some now exclude it; none affirmatively covers it. Meanwhile bar opinions, court orders, and client contracts require you to verify and disclose your AI use. You are documenting a risk your policy may not cover.
Program status: in structuring with A-rated specialty capacity. Professional Insure members are first in line, and we place interim coverage needs through licensed broker partners today.
The Squeeze
Regulators and courts now require you to verify, supervise, and often disclose your AI use, creating a documented, discoverable trail of AI reliance. Your insurer, meanwhile, is moving from silence to exclusion, and the renewal question set ("Do you use AI? Do you police it?") is already standard. Neither wall is receding.
The duty is formal
ABA Formal Opinion 512, roughly 35 state bar analogs, and hundreds of court standing orders require lawyers to verify and often disclose AI use, with parallel obligations arriving for CPAs and advisers. Your AI use is on the record whether you put it there or not.
The coverage is disappearing
Standard-form generative-AI exclusions took effect January 2026. Professional-lines carriers have filed their own AI exclusions, and malpractice carriers offer no affirmative option. 1,725+ court decisions already involve unverified AI content.
The Way Back
SiteTrust is building the alternative: E&O with affirmative AI coverage, underwritten on your verified certification record. Insurance is priced on information, a carrier can't price what it can't verify. Certification is how it verifies you.
Your disclosure
A published, structured record of what AI you use, for what, with what limits, the first thing an underwriter reads.
Your verification
CTA-led, independently verified, continuously current, the difference between telling a carrier you're careful and showing them.
Your renewal
Annual re-verification aligned to your policy period gives the carrier a live signal, and gives you continuity of terms.
While You're Here
Does my policy define “professional services” in a way that clearly includes AI-assisted work, or is it silent?
Has my carrier added any AI exclusion, sublimit, or endorsement at my last renewal? Read the endorsement schedule, not just the declarations page.
Did my last application ask about AI use, and does my answer on file match how I actually work today?
If a claim involved an AI-assisted deliverable, what documentation could I produce showing verification and supervision?
Do I have a written, published AI-use policy my client saw before engagement, or would a dispute be about what they assumed?
If any answer is “I don't know,” the Coverage Gap Report included with Professional Insure answers all five.
Start with the badge. Get verified. Be first in line when affirmative coverage reaches your profession.
Insurance products are offered through licensed producers and are subject to underwriting, eligibility, and the terms of issued policies. Certification does not guarantee insurance coverage or premium terms. This page is general information, not an offer of coverage or professional advice.