Certian
Register entry · 2026-07-15
Status: Register open — instruments in preparation

Independent · Indexed · Machine-checked

The independent register of AI governance.

Two records now govern enterprise AI: what regulators require you to disclose, and what insurers will still cover. Certian indexes, compares, and machine-checks the public facts on both — the certifications, the obligations, and the exclusions. We issue no standards and audit no systems. We keep the record.

The regulatory record — Article 50, as it stands

EU AI Act · Reg. (EU) 2024/1689 · updated 15 Jul 2026
AI interaction disclosure — Art. 50(1) Chatbots, voice assistants, and other systems interacting with people must disclose they are AI, unless contextually obvious.
Applies from2 AUG 2026
— days
Machine-readable marking of synthetic content — Art. 50(2) Generative outputs must be marked and detectable. Deferred to 2 Dec 2026 only for systems already on the EU market before 2 Aug 2026; new systems comply from 2 Aug.
Legacy systems2 DEC 2026
— days
Biometric & emotion-recognition notice — Art. 50(3) Deployers must inform individuals when these systems process their biometric data.
Applies from2 AUG 2026
— days
Deepfake & public-interest text labelling — Art. 50(4) AI-generated or manipulated content that appears authentic must be clearly disclosed, with carve-outs including human editorial responsibility.
Applies from2 AUG 2026
— days

Non-compliance: fines up to €15,000,000 or 3% of worldwide annual turnover, whichever is higher.

Primary sources: Regulation (EU) 2024/1689, Article 50 · European Commission draft Guidelines on Article 50 (May 2026) · Code of Practice on Transparency of AI-Generated Content (final, 10 June 2026) · Omnibus provisional agreement (May 2026). Summary of public regulatory information; not legal advice.

The insurance record — AI exclusions, as filed

US commercial lines · updated 15 Jul 2026
Generative-AI exclusion endorsements — ISO CG 40 47 / CG 40 48 / CG 35 08 New endorsement forms permit carriers to remove generative-AI liability from standard commercial general liability policies.
Effective from1 JAN 2026
In market
Absolute AI exclusions — D&O, EPL & professional lines Carrier-specific forms disclaiming coverage for claims arising from AI use — in some filings, from inadequate AI governance, policies, or staff training itself.
Attach atRENEWAL
Spreading
Affirmative standalone AI liability coverage A specialist market of standalone AI coverage has emerged from carriers and MGAs, priced against documented AI governance.
Market statusEMERGING
Indexed

The gap between what companies deploy and what their policies now cover is the least-documented risk on the 2026 balance sheet. Certian's insurability review and exclusion-filing index put the public record in one place. Exclusion endorsements generally attach at policy renewal — the review window is before yours.

Which deadline applies to your systems — and what does your policy still cover?

Two instruments launch this month: the Article 50 applicability screener and the AI insurability review — each a short, structured set of questions with primary sources one click away. Get them the moment they're live.

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The Certian register

Instruments · status as of 15 Jul 2026
July 2026

Article 50 Applicability Screener

An interactive decision tree mapping each of your AI systems — as provider or deployer — to the August and December obligations, with the regulation text one click away at every branch.

July 2026

AI Insurability Review

A structured, un-scored review of where your AI use and your commercial policies no longer overlap, producing a factual record you can bring to your broker at renewal.

July 2026

Code of Practice Signatory Tracker

A public, continuously updated record of which AI providers have signed the Commission's June 10 Code of Practice on Transparency — free, dated, and citable.

August 2026

Certification Comparison Matrices

Side-by-side comparison of the major AI certification pathways — ISO/IEC 42001, IEEE CertifAIEd, Responsible AI Institute, Nemko — on scope, rigor, and procurement acceptance.

In preparation

AI Exclusion Filings Index

A curated record of carrier AI-exclusion form filings and state approvals, drawn from public regulatory filing systems — for brokers, reinsurers, and risk teams tracking the market as it moves.

For IT providers & commercial brokers

Certian's insurability review is being prepared as a white-label instrument for managed service providers and brokerages serving mid-market clients — a client-ready deliverable for the renewal conversations already on your calendar. Early partner conversations are open now.

Register interest