AI Coverage by Lawyers Professional Liability Carrier
31 lawyers professional liability (LPL) carriers and adjacent AI-coverage products, indexed by what each carrier has publicly published on attorney AI use. 15 of 24 LPL carriers have a published position; the rest are silent. Each row cites a primary source. Last verified May 5, 2026.
Carriers: if your firm has a published AI policy, exclusion, endorsement,
or informal position you'd like reflected, email
brian@desired-path.com. We publish what carriers send us
with attribution and a date.
What this tracker is and is not. Per primary-source review as of May 5, 2026, no LPL carrier has filed a public LPL-specific AI exclusion endorsement. The only AI exclusion filing with a confirmable primary-source URL is W.R. Berkley Form PC 51380, which sits on management liability (D&O, EPL, Fiduciary), not LPL. Trade-press and broker reports of additional carrier exclusions (Hamilton Select PL, bifurcated unannounced LPL exclusions in 2025-2026 renewals) are flagged as informal positions, not filed exclusions, until a primary filing is located. For the editorial framing of what this means at renewal, see AI Documentation for Carrier Renewal.
Showing 31 of 31 carriers.
| Carrier | Type | AI Position | Summary | Last Checked |
|---|---|---|---|---|
| ALPS | National | Published guidance | ALPS Risk Manager Mark Bassingthwaighte (August 2025) walked through how existing LPL exclusions (intentional acts, breach of confidentiality, unauthorized practice of law, 'no professional service') may already bite AI-related claims without a new endorsement. | May 2026 |
| AttPro | National | Published guidance | AttPro published 'What can lawyers gAIn from artificial intelligence?' (December 2023). The piece frames AI use through duties of candor, confidentiality, and supervision. AttPro insures 20,000+ attorneys nationwide. The publication predated ABA Formal Opinion 512 (July 2024), CNA's bulletin (March 2025), and Markel's Pollaro article (January 2025). | May 2026 |
| ALAS | Big-law mutual | Published guidance | ALAS issued the first lawyers professional liability insurer advisory on ChatGPT (April 2023) and added an NLP/AI data scientist to its loss-prevention team. Coverage is invitation-only, focused on the largest law firms. | May 2026 |
| CNA CO, IA, MA, NY, PA | National | Published guidance | CNA distributed a 'Practical Advice on Use of AI Ethically' bulletin via the Pennsylvania Bar Insurance Program (March 2025). Underwrites bar-endorsed programs in CO, IA, MA, NY, PA. CNA's FY2025 10-K names AI as a source of novel claims exposures on policies they write. | May 2026 |
| Embroker | InsurTech / adjacent | Published guidance | Embroker (Everest paper, 46 states) publishes AI-related thought leadership including its Legal Industry Risk Index (245 respondent firms) showing AI adoption growth from 22% to 80% year-over-year and 43% of respondents citing AI over-reliance / professional liability as a top concern. No AI-specific LPL product as of the last check. | May 2026 |
| FLMIC FL | State mutual | Published guidance | FLMIC published 'AI Technologies Impacting Florida Lawyers and Their Clients' (October 2023) identifying four risks: fictitious precedents, faulty information, confidentiality breaches via prompts, and copyright. The piece recommended 'extreme caution.' CLE library includes three AI-specific courses. | May 2026 |
| ISBA Mutual IL | State mutual | Published guidance | ISBA Mutual's Liability Minute series covers 'Legal Ethics of AI: Adapting to Challenges of New Technology,' walking Illinois practitioners through Rules of Professional Conduct as applied to generative AI tools. | May 2026 |
| LMICK KY | State mutual | Published guidance | LMICK has published AI risk management content via its LMICK Minute newsletter, including an issue covering generative AI considerations for Kentucky lawyers. | May 2026 |
| Lawyers Mutual NC NC | State mutual | Published guidance | Lawyers Mutual NC, anchored by VP Camille Stell, has published the most-prescriptive AI Use Policy template of any LPL carrier. Seven-plus AI articles in 14 months tied to North Carolina 2024 Formal Ethics Opinion 1 and the firm-side governance program. | May 2026 |
| Markel | National | Published guidance | Markel's Executive Underwriting Officer for Professional Liability, Sal Pollaro, published 'AI and Professional Liability: Achieving Balance Between Rising Adoption and Generating Risk' (January 2025), framing AI as a rising professional-liability underwriting concern. | May 2026 |
| OBLIC OH | State mutual | Published guidance | OBLIC publishes a Model AI Use Policy for policyholders (gated; available on request from Loss Prevention) plus five-plus AI risk articles dating from 2023, including Best Practices for Use of Generative AI (January 2024) and Green-lighting Use of AI (July 2024). | May 2026 |
| Oregon PLF OR | State mutual | Published guidance | Oregon PLF (the only mandatory bar-administered LPL program in the US) has the most-developed published AI program of any LPL mutual: a two-part inBrief series, ongoing inPractice blog coverage, and two publicly downloadable templates (Generative AI Policy Development Guidelines, Sample Generative AI Policy for Law Firms). | May 2026 |
| TLIE TX | State mutual | Published guidance | TLIE published 'Generative AI: Recommendations for Responsible and Ethical Usage' covering competence, confidentiality, and client communication duties under Texas Disciplinary Rules of Professional Conduct. | May 2026 |
| W.R. Berkley | National | Filed exclusion Not LPL-specific | Berkley Insurance filed Form PC 51380 00 (06-24), 'Artificial Intelligence Exclusion (Absolute),' amending the management liability base policy family (D&O / EPL / Fiduciary). On management liability lines, not LPL. Berkley's FY2025 10-K is the only US public-five LPL-adjacent writer positioning AI as an underwritten regulatory exposure. | May 2026 |
| AmTrust | National | Informal position | AmTrust's Lawyers Professional Liability Application form (LPLPRO-APP-01 0523, May 2023) asks: 'Allow the use of Artificial Intelligence software to draft documents. If checked, please attach description.' The only verbatim AI question on a US LPL application form located in primary-source review. | May 2026 |
| Hamilton Select | National | Informal position Not LPL-specific | Trade-press and broker reports describe a Hamilton Select (US admitted, distinct from Lloyd's syndicate 4000) Professional Liability exclusion for claims involving 'any actual or alleged use of generative AI' (defined to include ChatGPT, Bard, Midjourney, DALL-E). On broad PL, not LPL-specific. No primary filing URL located. | May 2026 |
| Hanover | National | Informal position | Hanover's FY2025 10-K (SEC filing) frames AI as both a regulated practice (acknowledged in Item 1 Regulation) and as an evolving exposure on policies the company writes (Item 1A Technology). No standalone LPL-side article located on the public site. | May 2026 |
| Armilla | InsurTech / adjacent | Affirmative AI cover Not LPL-specific | Armilla AI launched Affirmative AI Liability Insurance with Lloyd's via Chaucer (April 2025) at $25M limits, expanded with Axis Capital. Marketing explicitly names lawyer hallucination cases as in-scope. Closest direct competitor or partner candidate to a dedicated AI policy alongside LPL. | May 2026 |
| Counterpart | InsurTech / adjacent | Affirmative AI cover Not LPL-specific | Counterpart (US MGA) expanded Affirmative AI Coverage in November 2025 to Miscellaneous Professional Liability and added a Tech E&O insuring agreement. US-side mirror of the Vanguard AI / Chaucer-Armilla affirmative-cover structure. Adjacent to LPL, not LPL-specific. | May 2026 |
| HSB | InsurTech / adjacent | Affirmative AI cover Not LPL-specific | HSB launched AI Liability for SMEs (March 2026), an affirmative AI cover product targeting small and medium enterprises. Adjacent to LPL; no lawyer-specific carve-out announced. | May 2026 |
| Munich Re aiSure | InsurTech / adjacent | Affirmative AI cover Not LPL-specific | Munich Re's aiSure provides performance-warranty coverage for AI systems, including aiSure-General Liability covering bias and discrimination from AI-driven employment screening and patient-intake decisions. Underwritten case-by-case. Adjacent product line; no LPL-specific carve-out. | May 2026 |
| Relm | InsurTech / adjacent | Affirmative AI cover Not LPL-specific | Relm Insurance offers NOVAAI / PONTAAI / RESCAAI wrap coverage for AI risk gaps. PONTAAI is the most relevant product as a backstop for LPL silence on AI claims; sold separately, not embedded in any LPL policy. | May 2026 |
| Aon Attorneys' Advantage | Bar-affinity program | No public position | No carrier-hosted AI publication located on aonattorneysadvantage.com. Trade-press references include a Stan Sterna (Aon SVP) quote in Digital Insurance (April 2026) on LPL underwriter AI questioning, but that statement is not on the program's own site. | May 2026 |
| Berkley Select | National | No public position | Berkley Select is the W.R. Berkley LPL underwriter (distinct from the parent's management-liability Form PC 51380). No standalone published AI guidance for lawyers located on Berkley Select's public site as of the last check; LPL-specific position has not been confirmed. | May 2026 |
| LMIC California CA | State mutual | No public position | No standalone AI publication on lawyer generative AI use located on the LMIC California public site as of the last check. Carriers can email brian@desired-path.com to populate this row. | May 2026 |
| MLM (Minnesota) MN | State mutual | No public position | No carrier-hosted AI publication on lawyer generative AI use located on mlmins.com as of the last check. Trade-press references to MLM in lists of bar-affiliated carriers issuing AI guidance are not used as a basis for a categorized AI position because they are not carrier-hosted. | May 2026 |
| OAMIC OK | State mutual | No public position | No public AI position located on the OAMIC site as of the last check. Carriers can email brian@desired-path.com to populate this row. | May 2026 |
| Old Republic Pro | National | No public position | No carrier-hosted AI publication or filing located on Old Republic's public sites. Trade press (Insurance Journal Viewpoint, October 2025) named Old Republic alongside other carriers in coverage of AI exclusion filings, but did not specify the form number, binding line, or whether any filing applies to LPL. | May 2026 |
| Bar Plan Mutual MO, KS, IN, NM, TN | Regional | No public position | Bar Plan Mutual writes lawyers professional liability in Missouri, Kansas, Indiana, New Mexico, and Tennessee. No public AI-specific article located on the carrier's site as of the last check. | May 2026 |
| Travelers | National | No public position | No standalone published AI guidance for lawyers located on Travelers' public site as of the last check. Travelers' FY2025 10-K (SEC filing) frames AI internally (productivity tool, modeling risk, competitive); it does not name AI as an underwriting variable for the LPL book. | May 2026 |
| WILMIC WI | State mutual | No public position | No carrier-hosted AI publication located on wilmic.com. Trade press (Wisconsin Law Journal and LawSites, February 2026) reports a strategic partnership with Querious, but the partnership is not announced on the carrier's own site. | May 2026 |
No carriers match the current filter.
Related
- AI Documentation for Carrier Renewal: editorial framing, coverage mechanics, what carriers ask on renewals.
- AI Liability Insurance for Law Firms: firm-side primer for managing partners and administrators preparing for renewal.
- AI legal regulation timeline: chronological view of state opinions, court orders, federal guidance, and AI legislation.
- All trackers.