For Carriers and Brokers

Malpractice insurers are adding AI governance questions to renewal applications in 2026. Firms without documented governance are falling out of preferred-risk tiers. This page explains what carriers require and how the compliance packet addresses each requirement.

If you are a broker or underwriter and would like to discuss the packet's audit format or carrier integration, contact us via the About page.

What Carriers Are Asking

Based on carrier renewal applications from ALPS, CNA, Travelers, and others as of early 2026, carriers are asking firms to document:

Which AI tools are in use at the firm
Whether a written AI policy exists
How client confidentiality is protected in AI tools
What training attorneys and staff have received
Whether AI-generated citations are verified before filing
Whether AI errors are logged and reported

Non-disclosure of material AI use is grounds for coverage denial. Misrepresentation on the application voids coverage retroactively.

The Eight Documentation Artifacts

A firm that maintains these eight artifacts has the documentation needed for carrier conversations in 2026. The compliance packet produces all eight.

Written AI Policy 5.1 / 5.3

Firm-wide policy covering approved tools, confidentiality controls, verification requirements, and supervision.

Training Records 1.1

Documentation that all attorneys and staff have completed AI competency training.

Usage Log Carrier

Timestamped log of AI tool use by attorney, matter, and platform.

Verification Checklist 3.3

Completed before each filing or client deliverable that used AI research or drafting assistance.

Vendor Diligence List 1.6

Record of each approved AI tool, its data handling terms, and the confidentiality controls in place.

Incident Log Carrier

Documentation of any AI-related errors, near-misses, or client notifications.

Quarterly Attestation Carrier

Signed statement from managing partner confirming governance documentation is current.

Audit Report PDF Carrier

Carrier-ready summary of all documentation, mapped to ABA Opinion 512 sections.

Get the Compliance Packet

The compliance packet produces all eight artifacts in carrier-ready PDF format. Three tiers from $499 to $4,999 depending on customization level.

See the Packet

AI Exclusion Risk

Several carriers are introducing absolute AI exclusions or standalone AI coverage riders that require NIST AI RMF-aligned governance as a condition of coverage. Firms with no documented governance program face increasing premium exposure and potential coverage gaps. See the State Tracker for bar opinion implications by state.

Carrier requirement information verified 2026-04-23.