Industry guide
AI compliance for insurance companies
Insurers using AI for underwriting, claims, and risk scoring face AI-specific obligations plus state insurance and consumer-protection requirements.
Your regulatory exposure
Companies in Insurance using common AI tools could face up to 31 regulations across 19 states.
- Illinois Biometric Information Privacy Act (BIPA)
Requires informed written consent before collecting biometric data including facial geometry, fingerprints, and voiceprints. Private right of...
HighIn effect - Colorado AI Act (SB 24-205)
Requires developers and deployers of high-risk AI systems to use reasonable care to protect consumers from algorithmic discrimination in conse...
HighUpcoming - CCPA/CPRA Automated Decision-Making Technology Regulations
Grants California consumers the right to opt out of automated decision-making, request access to information about algorithmic profiling, and...
HighIn effect - Colorado Privacy Act - Profiling & ADM Provisions
Grants Colorado consumers the right to opt out of profiling in furtherance of automated decisions that produce legal or significant effects.
HighIn effect - California AI Transparency Act (SB 942)
Requires providers of AI systems with 1M+ monthly users to implement content provenance disclosures and AI detection tools for generated content.
MediumUpcoming
Key obligations
Risk factors
- Underwriting decisions are consequential under most laws
- State insurance regulators can enforce independently
- Algorithmic pricing receives close consumer-protection scrutiny
Upcoming deadlines
- May 19, 2026 · TAKE IT DOWN Act (S. 146)
- June 30, 2026 · Colorado AI Act (SB 24-205)
- August 2, 2026 · California AI Transparency Act (SB 942)
Related state guides
See exactly which regulations apply to your Insurance company
Run the free scan with your industry pre-selected.
Start your free scan