Answer — AI Governance
How do you answer the AI questions on an insurance renewal?
AI questions are arriving on cyber-insurance renewal questionnaires. Instead of answering from memory or self-attestation, you answer from the record: a timestamped renewal evidence pack, mapped to the fields underwriters actually ask, exported on your authorization. The insurer draws its own conclusions — Agentica never signs an assessment.
Why AI is now on the renewal form
Municipalities and mid-size financial institutions already fill out a cyber-insurance renewal questionnaire every year. It is the one recurring moment where capital prices your risk, and AI questions are now appearing on those forms.
The reason is concrete. Shadow AI is driving breaches: IBM’s Cost of a Data Breach Report 2025 attributed 20% of breached organizations to shadow AI, adding an average of US$670K to breach costs. Underwriters have started asking what AI you run and how you govern it.
From memory to the record
Today most organizations answer that section from memory or self-attestation — someone recalls which tools are in use and signs. An underwriter cannot verify a recollection.
When your insurer’s renewal questionnaire asks what AI you run and how you govern it, you answer from the record — not from memory.
The renewal evidence pack is a named report in the AI Auditability report library, mapped to the fields underwriters actually ask: your AI inventory, what each system can access, its risk ratings, and its detection-to-fix history. Each entry is contemporaneous: recorded as it happens, drawn from a tamper-proof, hash-chained history under independent custody, never reconstructed the week before renewal.
You decide who receives it
The pack is a timestamped export. You authorize it, and you decide who receives it; nothing flows to an insurer without your written authorization.
For the regulated niches, this lands exactly where the pressure already is. Law 25 has bound Québec municipalities to govern personal information since September 2023, and the AMF’s AI guideline comes into force May 1, 2027 for the institutions under its jurisdiction. The same record that answers your regulator answers your renewal — collect once, prove many.
What we never promise
This is the hard boundary. The renewal evidence pack is evidence, not a result. Agentica never promises a premium, a discount, or a coverage outcome, and never signs the insurer’s assessment. The insurer reads your record and draws its own conclusions, with its own models.
That neutrality is the point. An answer the underwriter can verify for themselves is worth more than one they must take on trust, and it is the same record you already keep to prove demonstrable reasonable diligence to a council, a board, or a regulator. Agentica, an AI Governance company in Montréal, keeps that record tamper-proof and under independent custody so the facts hold up whoever reads them.
Agentica provides AI-governance evidence and risk intelligence. It does not constitute legal advice or compliance certification.