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AI Liability Insurance

Annex III 5(c): life/health pricing AI = high-risk — NAIC mirror for US market conduct

—FL HB 919 AI disclosure + property insurance crisis

Regulatory exposure — commonly overlooked:
The insurer examining you uses AI they cannot govern — Exhibit D applies both directions. · Florida property insurers using AI for claims while Citizens backs up market — AI claim denial = political lightning rod.

TAM / Exposure

$50B+ US P&C · AI governance exam on insurer AND insured

Insurance lines

AI liability · E&O · D&O

Exhibit authority

Florida OIR AI Pack — NAIC Exhibit D — Insurer + Insured Mirror Pack

Global leaders

NAIC · Munich Re · Swiss Re · AmTrust · Counterpart · Florida OIR · Citizens Property · Universal Property

Dual exam weapon

Same Exhibit A–D feeds market conduct AND financial exams — compounded findings.

Affirmative vs silent

CG 40 exclusions proliferating — affirmative AI product requires proof infrastructure.

Actuarial Step 3

AI liability unpriceable without behavioral dataset — Velaru asymmetry feed is the missing input.

[Florida] Hurricane claims AI

Post-Idalia/Ian claims AI scrutiny — bad faith with AI lowball estimate.

[Florida] Surplus lines

Florida largest homeowners market collapse — AI underwriting receipt mandatory for OIR exam.

[Text / Chat] Modality hook

Baseline — all frameworks apply to text decisions.

7 mandate layers (live)

Regulatory Clock Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition. Open →

Domain Classifier Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping. Open →

Exhibit / Filing Pack Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11. Open →

Mandate Registry Enroll deployers/insureds under vertical-specific governance mandate. Open →

Bind / Action Gate ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker. Open →

Compliance Certificate Deployer-facing downloadable cert — forward to counsel, auditor, regulator. Open →

Actuarial / Risk Feed Anonymized asymmetry signals for pricing, reserving, reinsurance correlation. Open →

Run insurance demo Regulatory calendar Download exhibit pack Verify independently