Why underwriters ask about it
tools without an owner drift — settings change, nobody reviews output, and nobody can answer the insurer's questions.
How to fix it
- Name one person as the AI owner for the business (in a small shop, that's usually the owner).
- Write their name next to every tool in the inventory.
- Rule going forward: no new AI tool gets connected until the owner adds it to the inventory.
Evidence to keep
owner named in the inventory; a one-line "new tools must be approved" note in your AI policy (R10.1).