The AI Underwriting Gap: Why Provable Records Now Decide What Gets Covered

In 2026 insurers are repricing, carving out, and in some cases refusing AI risk, while affirmative AI policies at Lloyd's of London bind only against provable controls. The common requirement, from carriers and regulators alike, is credible evidence of what an AI system actually did. Without a signed, replayable record such as the Open Audit Record, an enterprise is self-insuring its own agents.Originally published at https://mickai.co.uk/articles/ai-insurance-underwriting-gap. Mickai is a Sovereign Intelligence Operating System; the Open Audit Record signs every artificial intelligence action before it executes, post-quantum and offline-verifiable. 101 filed UK patent applications, Mickai LTD (Companies House 17166618).