As AI becomes embedded in underwriting, pricing, claims, and portfolio management, accountability questions are moving from theory to operational reality. Who ultimately owns model decisions? How are insurers structuring oversight between business leaders, risk teams, and technology functions? And what governance frameworks ensure AI-driven recommendations remain aligned with appetite and regulatory expectations? This panel explores how leading carriers are formalizing AI accountability covering model validation, vendor oversight, auditability, and escalation protocols. The focus is practical: how to scale AI across core operations while maintaining clarity of ownership, transparency of decisioning, and enterprise-level control.