{"id":34095,"date":"2025-06-10T14:51:05","date_gmt":"2025-06-10T18:51:05","guid":{"rendered":"https:\/\/www.millerthomson.com\/?p=34095"},"modified":"2025-06-10T16:27:38","modified_gmt":"2025-06-10T20:27:38","slug":"underwriting-claims-liability-building-ai-into-your-insurance-policies","status":"publish","type":"post","link":"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/","title":{"rendered":"Underwriting, claims, liability: Building\u00a0AI into your insurance policies"},"content":{"rendered":"\n<p>Recent technological advancements in artificial intelligence\u00a0(AI) are transforming insurance industry practices for both insurers and policyholders. AI\u00a0can unlock greater efficiency in underwriting, pricing, and claims handling. Yet it also raises legal questions about how insurance policies are managed and how transparency obligations to policyholders are upheld.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Underwriting and claims management<\/h2>\n\n\n\n<p>AI-powered risk underwriting is a top use case for insurers. Insurers harness algorithms to handle big data analytics, while refining the policyholder\u2019s profile and adjusting premiums accordingly. This approach is effective but not foolproof. Flawed or incomplete analysis can leave policyholders with coverage that falls short or misses the mark.<\/p>\n\n\n\n<p>With&nbsp;AI, developing dynamic insurance products is a snap, as terms (e.g.,&nbsp;premiums) feature a sliding scale tied to the insured\u2019s behaviour. Auto insurance is a prime example, with certain premium adjustments derived from driving data gathered by mobile apps.<\/p>\n\n\n\n<p>In claims management, AI&nbsp;is used to flag discrepancies, categorize claims by risk level, and provide claims adjusters with data-driven insights. This automation helps cut costs and handle claims faster. However, any faulty analysis can result in an unfair denial of coverage, with major consequences for the insured.<\/p>\n\n\n\n<p>The use of AI raises certain concerns with regard to insurance coverage. In response to these risks, some insurers are updating their policies to include AI-related endorsements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">AI-related endorsements: A gradual insurance policy trend <\/h2>\n\n\n\n<p>Some insurers have begun to manage these risks more proactively by including endorsements into their policies. These clauses are intended to clarify the scope of coverage applicable to incidents arising from automated system or AI-powered tool use, including any resulting errors, intellectual property infringements or technical failures. Some companies stand to gain from this type of endorsement, as seen in <a href=\"https:\/\/www.canlii.org\/en\/bc\/bccrt\/doc\/2024\/2024bccrt149\/2024bccrt149.html\">a recent B.C.&nbsp;Civil Resolution Tribunal<\/a> decision, which held a company liable for leading a consumer astray with inaccurate information provided by a chatbot.<\/p>\n\n\n\n<p>AI-related endorsements aim to address the grey areas of algorithmic risk to protect the insured while mitigating the insurer\u2019s risk in the event of unforeseen claims. In Quebec, such clauses must be carefully drafted to uphold the principles of clarity, predictability, and good faith. As the Supreme Court of Canada ruled in <a href=\"https:\/\/decisions.scc-csc.ca\/scc-csc\/scc-csc\/en\/item\/7874\/index.do\"><em>Progressive Homes<\/em><\/a> and reaffirmed in <a href=\"https:\/\/decisions.scc-csc.ca\/scc-csc\/scc-csc\/en\/item\/16121\/index.do\"><em>Ledcor<\/em><\/a>, a vaguely worded clause can be held against the insurer, particularly where any language limiting coverage is unclear.<\/p>\n\n\n\n<p>These endorsements embody a natural evolution in insurance law to embrace the digital age. Yet, a sophisticated understanding of their technical and legal considerations is required. Beyond contractual mechanisms like\u00a0endorsements, introducing guardrails for\u00a0AI also involves its own set of legal transparency requirements. These obligations are vital where decision-making is fully automated without human intervention.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Transparency, bias, and challenges: Qu\u00e9bec requirements<\/h2>\n\n\n\n<p>Since the <a href=\"https:\/\/www.publicationsduquebec.gouv.qc.ca\/fileadmin\/Fichiers_client\/lois_et_reglements\/LoisAnnuelles\/en\/2021\/2021C25A.PDF\"><em>Act to modernize legislative provisions as regards the protection of personal information<\/em><\/a> came into effect, organizations that make decisions based solely on automated processing must inform the individuals concerned. These organizations may also be required to provide an explanation of the factors backing their decision and offer the individual the opportunity to submit observations to an&nbsp;employee.<\/p>\n\n\n\n<p>In insurance, these obligations become critical, particularly where a denial of coverage, policy termination or reduction in indemnity is involved. Any shortcoming could be construed as an infringement of the insured\u2019s rights or an unfair practice.<\/p>\n\n\n\n<p>Addressing algorithmic bias remains a top priority. Poorly designed AI&nbsp;tools can turn out discriminatory decisions, particularly if the data set contains historical biases. In Quebec, such biases may contravene the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/en\/document\/cs\/C-12\"><em>Charter of human rights and freedoms<\/em><\/a> or attract civil liability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom line<\/h2>\n\n\n\n<p>AI is transforming the way insurers underwrite risk, draft insurance policies and handle claims. Adopting AI-powered systems and tools drives innovation but requires heightened legal oversight. Managing risk proactively with transparent governance helps avoid contentious claims, bolster policyholder trust and ensure sustainable compliance in an ever-changing landscape.<\/p>\n\n\n\n<p>Reach out to our <a href=\"https:\/\/www.millerthomson.com\/en\/expertise\/commercial-litigation\/\">Commercial Litigation<\/a> and <a href=\"https:\/\/www.millerthomson.com\/en\/expertise\/insurance-defence\/\">Insurance Defence<\/a> teams today to discuss the legal impact of these changes or for support tailored to your needs.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recent technological advancements in artificial intelligence\u00a0(AI) are transforming insurance industry practices for both insurers and policyholders. AI\u00a0can unlock greater efficiency in underwriting, pricing, and claims handling. Yet it also raises legal questions about how insurance policies are managed and how transparency obligations to policyholders are upheld. Underwriting and claims management AI-powered risk underwriting is a [&hellip;]<\/p>\n","protected":false},"author":122,"featured_media":14367,"parent":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[545],"insight-format":[418,416],"class_list":["post-34095","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-commercial-litigation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Underwriting, claims, liability: Building\u00a0AI into your insurance policies | Miller Thomson<\/title>\n<meta name=\"description\" content=\"Recent advances in AI are transforming underwriting, claims management, and insurance policies\u2014raising legal questions around coverage, algorithmic bias, and transparency. Learn how AI-related endorsements and Quebec\u2019s legal framework are reshaping insurance law.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Underwriting, claims, liability: Building\u00a0AI into your insurance policies | Miller Thomson\" \/>\n<meta property=\"og:description\" content=\"Recent advances in AI are transforming underwriting, claims management, and insurance policies\u2014raising legal questions around coverage, algorithmic bias, and transparency. Learn how AI-related endorsements and Quebec\u2019s legal framework are reshaping insurance law.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/\" \/>\n<meta property=\"og:site_name\" content=\"Miller Thomson\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MillerThomsonLaw\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-10T18:51:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-10T20:27:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1776\" \/>\n\t<meta property=\"og:image:height\" content=\"994\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sebastian Vives\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@millerthomson\" \/>\n<meta name=\"twitter:site\" content=\"@millerthomson\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sebastian Vives\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/\"},\"author\":{\"name\":\"Sebastian Vives\",\"@id\":\"https:\/\/www.millerthomson.com\/en\/#\/schema\/person\/be05481ca4ee617c24b33993ade4c881\"},\"headline\":\"Underwriting, claims, liability: Building\u00a0AI into your insurance policies\",\"datePublished\":\"2025-06-10T18:51:05+00:00\",\"dateModified\":\"2025-06-10T20:27:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/\"},\"wordCount\":679,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg\",\"articleSection\":[\"Commercial Litigation\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/#respond\"]}]},{\"@type\":[\"WebPage\",\"ItemPage\"],\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/\",\"url\":\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/\",\"name\":\"Underwriting, claims, liability: Building\u00a0AI into your insurance policies | Miller Thomson\",\"isPartOf\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.millerthomson.com\/en\/insights\/commercial-litigation\/underwriting-claims-liability-building-ai-into-your-insurance-policies\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg\",\"datePublished\":\"2025-06-10T18:51:05+00:00\",\"dateModified\":\"2025-06-10T20:27:38+00:00\",\"description\":\"Recent advances in AI are transforming underwriting, claims management, and insurance policies\u2014raising legal questions around coverage, algorithmic bias, and transparency. 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