AI Compliance for Insurance

Insurance carriers and insurtech firms using AI in underwriting, claims processing, fraud detection, and pricing decisions.

Applicable laws

Connecticut Artificial Intelligence Act for InsuranceProposed
Connecticut•Effective October 1, 2026•Max penalty: $5Kfull detail
Virginia High-Risk Artificial Intelligence Developer and Deployer Act for InsuranceDefeated
Virginia•Effective July 1, 2026•Max penalty: $10Kfull detail
Colorado Artificial Intelligence Act for InsuranceEffective
Colorado•Effective February 1, 2026•Max penalty: $20Kfull detail
California Generative AI: Training Data Transparency for InsuranceEffective
California•Effective January 1, 2026•Max penalty: Not specifiedfull detail
Transparency in Frontier Artificial Intelligence Act (TFAIA) for InsuranceEffective
California•Effective January 1, 2026•Max penalty: $1.0Mfull detail
California AI Transparency Act for InsuranceEffective
California•Effective January 1, 2026•Max penalty: $5Kfull detail
Texas Responsible Artificial Intelligence Governance Act (TRAIGA) for InsuranceEffective
Texas•Effective September 1, 2025•Max penalty: $10Kfull detail
Washington State Artificial Intelligence Task Force / AI Regulation for InsuranceEffective
Washington•Effective June 6, 2024•Max penalty: Not specifiedfull detail

Recommended frameworks

NIST AI RMF 1.0
Voluntary US framework. Adopt to demonstrate due care across most state AI laws.
ISO/IEC 42001:2023
Certifiable AI management-system standard. Strong fit for insurance organizations subject to multiple jurisdictions.

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