Regulatory Status
Requires providers of large-scale generative AI systems (1 million+ monthly users) to make AI-generated content detectable through free public detection tools and embedded technical watermarks in image, video, and audio output. Signed September 19, 2024.
Key Requirements
Free AI Detection Tool Offer a free, publicly accessible tool allowing anyone to assess whether image, video, or audio content was created or altered by the provider's generative AI system
Manifest Disclosure Give users the option to attach a clear, conspicuous, human-readable disclosure on AI-generated content
Latent Technical Disclosure Embed technical metadata (provider name, system version, creation date, unique identifier) in AI-generated content, detectable by the provider's tool
Third-Party Licensee Enforcement Revoke licenses within 96 hours if a licensee disables disclosure capabilities
Insurance Implications
Relevant policy types: E&O, Cyber, D&O
| Carrier | Endorsement | Status | Applies To | Filing Date | Source |
| Verisk | CG 40 47 | adopted | CGL | 2025-12-01 | verisk.com |
| W.R. Berkley | PC 51380 | filed | D&O, E&O, Fiduciary | 2026-01-05 | berkley.com |
| Hamilton | Hamilton AI Sublimit | filed | E&O, Cyber | 2026-02-01 | hamiltongroup.com |
Filing status based on carrier announcements and state DOI records.
Verify filings through your state's
SERFF Filing Access system.
Compliance Gaps to Address
No policy on AI tool usage in client matters
No disclosure to clients about AI-assisted work product
No verification process for AI-generated legal research
Unaware of professional responsibility implications of AI use
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This Industry in Other States
Disclaimer: This content is provided for informational purposes only and does not constitute legal advice. AI regulations and insurance policy terms change frequently. Consult with a qualified attorney or insurance professional for advice specific to your situation. Gridex makes no warranties regarding the accuracy or completeness of this information.