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. 19 of 25 LPL carriers have a published position; the rest are silent. Each row cites a primary source. Last verified October 1, 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 October 1, 2026, no LPL carrier has filed a public LPL-specific AI exclusion endorsement. The only AI exclusion form with a public primary-source copy is W.R. Berkley Form PC 51380, which sits on management liability (D&O, EPL, Fiduciary), not LPL; its state filing status is not verified. Trade-press and broker reports of additional exclusions (a manuscript exclusion reported on an unnamed carrier's non-standard lawyers program, often misattributed to Hamilton) are not counted as filed exclusions, or as any named carrier's position, 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. ALPS agreed on 2026-05-06 to acquire OBLIC; the deal had not closed as of 2026-09-28. | Sep 2026 |
| AttPro | National | Published guidance | AttPro has published lawyer AI guidance since December 2023 and, in 2026, articles on AI and privilege, California's proposed AI rule comments, and Florida's AI citation rule. It posts a sample firm Generative AI Policy and fee agreements and an engagement letter with AI addenda. AttPro insures more than 20,000 attorneys. | Sep 2026 |
| ALAS | Big-law mutual | Published guidance | ALAS published a loss-prevention piece, You, Me, and ChatGPT, on the risks of uploading privileged or confidential information into generative AI platforms, and in April 2026 announced an LLM Data Scientist on its Data Insights & Analytics team. Coverage is invitation-only, focused on the largest law firms. | Sep 2026 |
| CNA CO, IA, MA, NY, PA | National | Published guidance | CNA's Lawyers Professional Liability risk control team published Building a Safe and Practical Law Firm Artificial Intelligence Policy: A Risk Management Playbook (March 2026), following a March 2025 AI ethics bulletin. It underwrites bar-endorsed programs in CO, IA, MA, NY and PA; its FY2025 10-K names policyholder AI use as a source of novel claims. | Sep 2026 |
| Embroker | InsurTech / adjacent | Published guidance | Embroker's 2025 Legal Risk Index (a survey of more than 200 legal professionals) reports AI adoption rising from 22% in 2024 to 80% in 2025. Embroker's AI coverage endorsement (2025) is for technology companies on Tech E&O and cyber, not lawyers professional liability; no AI-specific LPL product located. | Oct 2026 |
| FLMIC FL | State mutual | Published guidance | FLMIC published 'AI Technologies Impacting Florida Lawyers and Their Clients' (October 2023), naming four risks and recommending 'extreme caution,' and a June 2026 practice alert on the Florida Supreme Court's Rule 2.515 amendment on AI-generated citations that recommends firm verification protocols. Its CLE library includes AI-specific courses. | Sep 2026 |
| ISBA Mutual IL | State mutual | Published guidance | ISBA Mutual's Liability Minute series covers AI for Illinois practitioners: the Rules of Professional Conduct applied to generative AI, AI-assisted pro se litigation, BIPA exposure from AI note-taking tools (July 2026), and AI risks to watch in 2026 (August 2026), which calls a fabricated citation that reaches a filing a malpractice exposure. | Sep 2026 |
| LMICK KY | State mutual | Published guidance | LMICK publishes AI risk management content, including a LMICK Minute issue on generative AI for Kentucky lawyers and a July 2026 analysis of a federal AI-hallucination sanctions order that recommends a written office AI-use policy covering confidentiality, verification and supervision. | Sep 2026 |
| Lawyers Mutual NC NC | State mutual | Published guidance | Lawyers Mutual NC publishes AI guidance tied to North Carolina 2024 Formal Ethics Opinion 1. In September 2026 it released an AI Policy Toolkit with a sample AI acceptable use policy, a vendor vetting checklist, an AI content checklist and a sample engagement clause, and it offers insureds free consulting on AI policy and a discount on the Querious AI tool. | Sep 2026 |
| Markel | National | Published guidance | Markel's Sal Pollaro framed AI as a rising professional-liability underwriting concern (January 2025). Business Insurance reported in June 2026 that Markel's miscellaneous E&O form lets brokers add affirmative AI coverage by endorsement, subject to a sublimit. That is miscellaneous E&O; whether it is available on Markel's lawyers E&O form is not established. | Sep 2026 |
| MLM (Minnesota) MN | State mutual | Published guidance | MLM's VP of Risk Management Todd C. Scott published Artificial Intelligence and Legal Ethics: Practical Guidance for Today's Lawyers (The View, June 2026), including sample engagement-letter language disclosing a firm's AI use. An April 2026 article by Ernie Svenson covers using more than one AI tool. MLM's policy form and application are not public. | Sep 2026 |
| OBLIC OH | State mutual | Published guidance | OBLIC publishes a Model AI Use Policy for policyholders (on request from Loss Prevention) and AI risk articles since 2023. In 2026 it covered the Ohio Board of Professional Conduct's AI guide (May) and published a five-step framework for choosing and piloting AI tools (July). ALPS agreed on 2026-05-06 to acquire OBLIC; not closed as of 2026-09-28. | Sep 2026 |
| Oregon PLF OR | State mutual | Published guidance | Oregon PLF, the Oregon State Bar fund providing mandatory primary malpractice coverage to Oregon private-practice lawyers, publishes AI guidance: a 2023 inBrief ChatGPT series, a July 2026 inBrief on AI fabrication in Oregon courts, blog posts, and two templates (Generative AI Policy Development Guidelines, Sample Generative AI Policy for Law Firms). | Sep 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 the Texas Disciplinary Rules. 2026 Top Tips point insureds to its generative AI resources (May) and state that hallucinated citations are a competence and diligence failure, not an AI problem (July). | Sep 2026 |
| WILMIC WI | State mutual | Published guidance | WILMIC published How Artificial Intelligence Tools May Affect Legal Malpractice Risk on 2026-07-13, its first carrier-hosted AI guidance: coverage for an AI-related claim depends on policy language, how the tool was used, and attorney oversight. It references no exclusion. Policyholders get AI tools through partners including Querious and Spellbook. | Sep 2026 |
| W.R. Berkley | National | Exclusion form Not LPL-specific | Berkley Insurance Company issued Form PC 51380 00 (06-24), 'Artificial Intelligence Exclusion (Absolute),' amending its management liability base policy family (D&O / EPL / Fiduciary); not LPL. The form wording is public; its state filing status is not verified. Berkley's FY2025 10-K positions AI as an underwritten regulatory exposure. | Sep 2026 |
| AmTrust | National | Informal position | AmTrust's Lawyers Professional Liability Application (LPLPRO-APP-01 0523, May 2023), Section III, question 13, asks firms to check 'Allow the use of Artificial Intelligence software to draft documents. If checked, please attach description.' It is the only AI question on the LPL application forms reviewed for this site. | Sep 2026 |
| Berkley Select | National | Informal position | Berkley Select hosts an August 2026 Maryland Daily Record article in which its SVP of Professional Liability, Al Roberts, says firms should establish formal AI use policies and consider closed AI environments. Its posted LPL application (LPL 39500-CW) has no AI questions. Distinct from W.R. Berkley's management-liability Form PC 51380. | Sep 2026 |
| Hanover | National | Informal position | Hanover's FY2025 10-K frames AI as a regulated underwriting and claims practice (Item 1) and says AI "may also create unforeseen exposures or coverage issues under the policies we write" (Item 1A). Its posted LPL applications and questionnaires contain no AI language. No LPL-side AI article located. | Sep 2026 |
| Armilla | InsurTech / adjacent | Affirmative AI cover Not LPL-specific | Armilla launched affirmative AI liability insurance in April 2025, with Chaucer leading the Lloyd's binder, and has since raised limits to up to $25 million. It names Chaucer, Axis Capital and Convex among its backers and lists professional services as a priority sector. Its product pages describe no law-firm-specific form. | Sep 2026 |
| Counterpart | InsurTech / adjacent | Affirmative AI cover | Counterpart (US MGA) launched Lawyers Professional Liability insurance on 2026-09-01 for firms of up to 100 lawyers. The product includes Counterpart's Professional Liability Affirmative AI Coverage, as marketed, the AI grant sits inside the LPL product, not a separate one. In July 2026 it made affirmative AI coverage available on every PL policy it writes. | Sep 2026 |
| HSB | InsurTech / adjacent | Affirmative AI cover Not LPL-specific | HSB (Munich Re) announced HSB AI Liability Insurance on March 18, 2026 for small and midsize firms, covering AI-related bodily injury, property damage and advertising injury some general liability policies exclude. Pending regulatory approval, it is to be added to partner carriers' business policies. The release does not mention law firms. | Sep 2026 |
| Munich Re aiSure | InsurTech / adjacent | Affirmative AI cover Not LPL-specific | Munich Re's aiSure insures AI errors for AI providers and corporate users, including performance warranties that indemnify clients for losses tied to AI errors. aiSure General Liability covers discrimination claims, such as from AI applicant screening or patient-intake prioritization. Standard and bespoke forms; corporate limits up to USD 50m per model. | Sep 2026 |
| Relm | InsurTech / adjacent | Affirmative AI cover Not LPL-specific | Bermuda-based Relm launched three AI policies in January 2025: NOVAAI (cyber and tech E&O), PONTAAI (an excess difference-in-conditions wrap that responds where underlying cyber/tech, professional indemnity or general liability programs fall short) and RESCAAI (first-party response). Relm's product pages do not mention law firms. | Sep 2026 |
| Aon Attorneys' Advantage | Bar-affinity program | No public position | No carrier-hosted AI publication located on the Aon Attorneys' Advantage site (attorneys-advantage.com). The AIG-issued LPL specimen policies and applications posted there contain no AI language as of 2026-09-28. | Sep 2026 |
| Hamilton Select | National | No public position Not LPL-specific | No AI position located. A generative-AI exclusion often attributed to Hamilton in commentary traces to a September 2024 Vanguard Specialty post about an unnamed carrier's manuscript endorsement on a non-standard lawyers program; it is not recorded here as a Hamilton Select position. No Hamilton form, filing, or carrier-hosted document has been located. | Sep 2026 |
| LMIC California CA | State mutual | No public position | No public AI publication located on the LMIC California site. A member-benefit listing names a Marshall Cole session on legal ethics and AI; its content is not public. The Universal Policy specimen (eff. 2023-04-01) contains no AI language. Carriers can email brian@desired-path.com to populate this row. | Sep 2026 |
| OAMIC OK | State mutual | No public position | No public AI position located on the OAMIC site. Its 2025 LPL application and January 2025 policy language contain no AI terms. Carriers can email brian@desired-path.com to populate this row. | Sep 2026 |
| Old Republic Pro | National | No public position | No carrier-hosted AI publication or filing located on Old Republic Professional's site (oldrepublicpro.com); its posted LPL applications and policy forms contain no AI language. Affiliate Old Republic Lawyers Specialty Insurance hosts an April 2026 generative AI article for lawyers. | Sep 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. Its posted LPL applications for all five states, re-checked 2026-09-28, contain no AI question. | Sep 2026 |
| Travelers | National | No public position | No published AI guidance for lawyers located on Travelers' public site. Travelers' FY2025 10-K treats AI as a competitive, technology, and regulatory matter and notes AI "could create unforeseen exposures or coverage issues under the policies we write"; it does not name AI as an LPL underwriting variable. | Sep 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.