AI Compliance Atlas
Map my obligations
DefeatedHB 2094 (2025)Virginia

Virginia High-Risk Artificial Intelligence Developer and Deployer Act for Insurance

How Virginia High-Risk Artificial Intelligence Developer and Deployer Act applies to insurance organizations and the obligations to plan for.

Effective
Not yet set
Max penalty
$10K
Applies to
developer + deployer

Why this law matters for insurance

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

This law applies to insurance organizations to the extent their AI use falls within the law's scope (see the obligations below). Organizations operating in Virginia should treat this law as part of the baseline regulatory obligations alongside any sector-specific federal rules.

Recommended next steps

  1. Inventory AI systems used in insurance workflows that may fall within Virginia High-Risk Artificial Intelligence Developer and Deployer Act's scope.
  2. Map each system against the obligations above and identify the responsible role (developer vs deployer).
  3. Adopt a structured framework — see NIST AI RMF and ISO/IEC 42001 — to demonstrate due care and produce audit-ready evidence.
  4. Document obligations satisfied and gaps in a single register, refreshed at the cadence required by the law (typically annual).

Frequently asked questions

Does Virginia High-Risk Artificial Intelligence Developer and Deployer Act apply to insurance organizations?

This law applies to insurance organizations to the extent their AI use falls within the law's scope (see the obligations below). The law should be read with the source-derived obligations listed on this page and any sector-specific federal rules that apply to insurance workflows.

When does Virginia High-Risk Artificial Intelligence Developer and Deployer Act take effect for insurance use cases?

Virginia High-Risk Artificial Intelligence Developer and Deployer Act is not in force because the tracked bill was defeated or vetoed.

Who carries the compliance duty for Virginia High-Risk Artificial Intelligence Developer and Deployer Act in insurance?

Virginia High-Risk Artificial Intelligence Developer and Deployer Act lists developer, deployer as the role coverage for Virginia. The actual duty depends on whether the organization develops, deploys, procures, or uses the covered AI system in the law's scope.

What penalty exposure should insurance teams track?

Virginia High-Risk Artificial Intelligence Developer and Deployer Act lists a maximum penalty of $10K in the Atlas record. Penalty exposure depends on the source section, violation type, and factual context.

Related

We may receive referral commissions from recommended compliance tools. Recommendations are based on product fit and not on commission size. Links marked “partner link” include a tracked redirect.