Conference: AI, Insurance Law, and Regulation
A Conference Presented by the Insurance Law Center at UConn Law & the University of Minnesota Law School
AI, Insurance Law, and Regulation
Friday, May 30, 2025
9 a.m. – 5 p.m. ET
UConn School of Law, Hartford Campus
Virtual and In-Person
The Insurance Law Center at UConn Law, in conjunction with the University of Minnesota Law School, is pleased to welcome academics, practitioners, regulators, and students to a conference focusing on issues that arise at the intersection of insurance and artificial intelligence. We hope you can join us.
To attend (virtually or in-person) please register by May 9th. Registration is free.
REGISTER BY MAY 9th
Details
- Call for Papers: Whether or not you participate or attend, we encourage anyone with a relevant paper to submit to it for potential publication of a symposium issue of the Connecticut Insurance Law Journal. If you are interested in submitting a paper, please send an abstract to ilc@uconn.edu and cilj@uconn.edu no later than April 15, 2025. Contributions of any length are welcome, and shorter essays (roughly 4,000 to 6,000 words) are particularly encouraged.
- Location: The event will be held at the UConn School of Law, 55 Elizabeth Street, in the William F. Starr HallReading Room. Official location information is here. The precise Google Maps location is here. Metered parking is available, as well as free on-street parking.
- Hotels: We have arranged a discounted rate of $299/night with the Delamar Hotel West Hartford. To book at this rate, please use the following link (Code is: UNIV052925). Another convenient option is the Hartford Marriott Downtown.
- Remote attendance: Virtual attendance will be allowed for all portions of the event except the lunch practicum. To attend virtually, please register.
- CLE Credits: One hour of Continued Learning Credit will be available for those admitted to the bar in Connecticut and New York who attend the lunchtime practicum.
- Questions: Please email ilc@uconn.edu.
Agenda
(Revised 3/24/2025)
(Times and panelists are provisional and subject to revision. Check back here for updates.)
8:30a – 9:00a: Registration (30 mins)
9:00a – 9:10a: Opening Remarks (10 mins)
9:10a – 11:10a: Panel One: How can and should insurance influence the law of AI and AI itself? (120 mins)
This panel will explore how liability for AI-related harms should take into account the current and future availability and structure of liability insurance. Key questions include:
- Should AI liability frameworks be designed to avoid exposing potentially judgment-proof firms to uninsurable risks?
- Should governments encourage or mandate liability insurance for firms exposed to specific AI-related risks?
- Should AI liability frameworks incorporate factors insurers can evaluate during underwriting and rating, such as safe harbors for AI systems that perform at least as safely as human-operated systems?
Ian Ayres (Moderator), Yale Law School
Catherine M. Sharkey, New York University School of Law
Renee Henson, University of Missouri School of Law
Mark Geistfeld, New York University School of Law
Tom Baker, University of Pennsylvania Carey Law School
Kenneth S. Abraham, University of Virginia School of Law
Gabriel Weil, Touro University Jacob D. Fuchsberg Law Cent
11:10a – 11:20a: Break (10 mins)
11:20a – 12:50p: Panel Two: Current and future insurance coverage for AI risks (90 mins)
This panel will explore how the evolution of AI liability will affect insurance markets. Key questions include:
- Will specialized AI liability policies emerge as AI risks evolve?
- To what extent do current liability insurance policies cover AI-related risks, and does this expose insurers to unpriced risks?
- How can insurers obtain consistent and standardized data on AI risks to efficiently underwrite, rate firms, and incentivize risk-reducing innovation?
Travis Pantin (Moderator), University of Connecticut School of Law
Anat Lior, Drexel University Kline School of Law
Michael S. Levine, Hunton Andrews Kurth LLP
Joan Schmit, University of Wisconsin School of Business
Laura Foggan, Crowell & Moring LLP
12:50p – 1:00p: Break (10 mins)
1:00p – 2:00p: LUNCH: Pro-tips on using AI in legal practice (60 mins)
Join us for a lunch session highlighting the latest AI tools designed for legal professionals, with a focus on practical integration into legal practice. The discussion will cover key AI use cases, potential risks and ethical considerations, foundational AI models, and specialized legal models such as Co-Counsel and Vincent. Additionally, the session will present the most recent data and developments in AI to help lawyers navigate this evolving technology responsibly and effectively. Special attention will be given to the ethical obligations of attorneys when adopting AI, ensuring compliance with professional standards and safeguarding client confidentiality. Connecticut and New York CLE credits will be available.
Daniel Schwarcz (Presenter), University of Minnesota Law School
2:00p – 2:10p: Break (10 mins)
2:10p – 3:40p: Panel Three: Discrimination, bias, insurance and AI (90 mins)
This panel will explore how the use of new types of AI in the insurance industry can and should be regulated. Key questions include:
- When does the use of AI to discriminate among policyholders raise legal or regulatory issues?
- To what extent should insurance laws and regulations be updated to reflect AI risks?
- How should internal and external audits of insurers evaluate the risks of AI bias and discrimination?
- What problems and opportunities have efforts to regulate AI bias and discrimination surfaced in the insurance setting?
Daniel Schwarcz (Moderator), University of Minnesota Law School
Anya Prince, University of Iowa College of Law
Cathy O’Neil, O’Neil Risk Consulting & Algorithmic Auditing (ORCAA)
Jason Lapham, Colorado Division of Insurance
Lauren Cavanaugh, American Academy of Actuaries
3:40p – 3:50p: Break (10 mins)
3:50p – 5:20p: Panel Four: The use of generative AI in insurance coverage drafting, disclosure, and disputes (90 mins)
This panel will explore how generative AI will impact the drafting, interpretation, and disclosure of insurance policy terms. It will also explore the use of generative AI in the context of insurance coverage disputes. Key questions include:
- How can and should generative AI be used to interpret insurance policies?
- Can generative AI improve policyholder understanding of Insurance?
- Will generative AI disrupt the sale and distribution of insurance?
- How can generative AI be used by insurers and insureds in the resolution of insurance disputes?
Rick Swedloff (Moderator), Rutgers Law School
Warris Bokhari, Claimable
Yonathan Arbel, University of Alabama School of Law
(Additional panelists TBD)
5:20p – 5:30p: Closing remarks (10 mins)
5:30p – 6:20p: Reception (50 mins)
Sponsored by:
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Register for the AI, Insurance Law, and Regulation Conference by May 9th
ILC Hosts Lunchtime Lecture with Prof. Margarida Lima Rego
The Insurance Law Center at UConn Law
is pleased to invite you to a lunchtime lecture by
Margarida Lima Rego
Professor, Nova School of Law, Lisbon
on the topic of
“Digital Transformation in Insurance: The Contract-as-Product Approach to Overcoming Information Overload”
on
Tuesday, February 4th, 12:30pm ET
Hosmer Hall, Ground Floor Conference Room (next to Faculty Lounge)
Lunch will be provided. Remote option available upon registration.
Please Register by Friday 1/31
Abstract:
This paper discusses how digital transformation is pushing the traditional model of contract formation into obsolescence. It argues that, largely as a consequence of the digital transformation and the inherent information overload, formal adherence to that model has slowly but steadily numbed everyone into mechanically declaring that they have read, understood, and agreed to a growing number of boilerplate or standard terms. This raises questions about whether these agreements are still contractual in nature. The chapter focuses on the recent product oversight and governance requirements in EU Law. It is submitted that the adoption of a contract-as-product approach is better equipped to protect insurance customers than transparency requirements based on the proliferation of information duties, given that most will choose not to assimilate the information that is so abundantly provided to them, this being an increasingly rational choice in view of the growing information overload. The contract-as-product approach also opens the door to the questioning of the contractual nature of standard terms, entailing some measure of recognition that they are often closer to a supplier’s instruction manuals than to the product of a meeting of the contract parties’ minds.
Full paper available for download here.
Advisory Committee Appointed for the Insurance Law Journal
The Connecticut Insurance Law Journal is proud to announce the creation of an Advisory Committee for the Journal. The Committee is composed of preeminent insurance scholars from around the country. The current members of the Advisory Committee are:
- Kenneth Abraham, University of Virginia School of Law, David and Mary Harrison Distinguished Professor of Law
- Tom Baker, University of Pennsylvania Carey School of Law, William Maul Measey Professor of Law
- Allison Hoffman, University of Pennsylvania Carey School of Law, Professor of Law
- Kyle Logue, University of Michigan Law School, Interim Dean and Douglas A. Kahn Collegiate Professor of Law
- Adam Scales, Rutgers Law School, Professor of Law
- Daniel Schwarcz, University of Minnesota Law School, Frederickson & Byron Professor of Law
- Peter Siegelman, University of Connecticut School of Law, Phillip I. Blumberg Professor of Law
- Jeffrey Stempel, William S. Boyd School of Law, Doris S. and Theodore B. Lee Professor of Law
The members of the Advisory Committee will counsel the CILJ leadership on important decisions facing the Journal, including its peer review process and the selection of symposium topics. We invite you to learn more about the Committee, its roles and responsibilities, and its members on our Advisory Committee section of the website.
ILC to Host Fall 2024 Insurance Law Workshop
The Insurance Law Center will host its virtual Insurance Law Workshop again in Fall 2024. The schedule of upcoming presentations is available here. We are excited to welcome you back as we gather top experts from academia, the legal community, and the insurance industry to explore innovative ideas in the field.
ILC & CT Insurance Law Journal Host ESG & Insurance Symposium
A Symposium Sponsored by the Insurance Law Center & the Connecticut Insurance Law Journal
ESG, Insurance & the Law
On Friday, May 31, 2024, the Insurance Law Center and the Connecticut Insurance Law Journal successfully hosted a symposium on ESG, Insurance & the Law at the University of Connecticut School of Law in Hartford. The full-day event, which ran from 9:00 AM to 4:30 PM, brought together leading academics, regulators, and industry professionals to discuss the intersection of environmental, social, and governance (ESG) issues and their impact on insurance law.
The symposium, held in the Davis Courtroom of William F. Starr Hall, drew a diverse group of attendees. Discussions were structured around four key panels that addressed academic, industry, consumer, and legislative perspectives on ESG in insurance. Esteemed panelists included:
Academic Perspectives | Industry Perspectives | Consumer Perspectives | Legislation & Regulation |
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Moderator: Peter Siegelman, University of Connecticut School of Law | Moderator: Travis Pantin, University of Connecticut School of Law | Moderator: Joseph A. MacDougald, University of Connecticut School of Law | Moderator: David Robinson, University of Connecticut School of Law, formerly The Hartford |
Moderated by UConn Law faculty and experts, the panels provided attendees with a wide-ranging exploration of the challenges and opportunities facing insurers and regulators as ESG issues become increasingly central to the industry. In addition to the panels, the symposium featured opening remarks, breaks for networking, and a closing cocktail reception that allowed for further dialogue between participants.
The Insurance Law Center expressed its gratitude to all speakers, participants, and attendees for contributing to a productive and engaging event.
For any follow-up questions or further information, attendees are encouraged to contact the Insurance Law Center at ilc@uconn.edu.
New Ideas in Insurance Workshop Continues (Spring 2024)
The Insurance Law Center will continue to host its New Ideas in Insurance virtual workshop during the Spring 2024 semester. The list of upcoming presentations is available here. We look forward to seeing you again as we convene leading experts from the academy, the bar, and the insurance industry to discuss compelling new ideas in the field.
Registration Opens for Third Year of Insurance Series
Scholars, lawyers and industry leaders will bring groundbreaking research and fresh perspectives to the New Ideas in Insurance series from the Insurance Law Center beginning Sept. 8, 2022.
The new lineup of online presentations marks the third year of New Ideas in Insurance, and the first in which the series will extend over the course of two semesters. The newly released schedule for Fall 2022 begins with a presentation by Robin Pearson, professor of economic history at the University of Hull in the United Kingdom, on the Lloyd’s insurance market crisis of the 1980s and ’90s. In the sessions to follow, speakers will address conflicts of interests in variable annuities, drug insurance coverage, liability insurance and the tort system, non-rational motives for buying insurance, and the evolving link between jobs and health insurance. Each session will conclude with a full discussion with audience participation.
“It’s a really exciting time to be the nexus of cutting-edge thought about insurance and insurance law,” said Professor Travis Pantin, director of the Insurance Law Center. “The quality of the scholarship has never been higher, and now that virtual workshops have been shown to work, the insurance community has an opportunity to convene on a regular basis in a way that wasn’t really possible before.”
The series, which is free, open to the public, and entirely virtual, will be held on alternating Thursdays from 4 to 5 p.m. ET. Advance registration is required at ilc.law.uconn.edu/new-register.
“The Insurance Law Center has created an exemplary model for bringing scholars and practitioners together with New Ideas in Insurance,” Dean Eboni S. Nelson said. “The continued success of the series is the latest demonstration of how important the center has become to an industry that shapes our lives and choices in so many ways.”
Video recordings of sessions from the first two years’ of New Ideas in Insurance are available on the Insurance Law Center website at ilc.law.uconn.edu/new-ideas.
UCONN Law School Hosts Workshop on Insurance and Policing
HARTFORD, CT: On April 8th, the Insurance Law Center and the Center on Community Safety, Policing, and Insurance held a closed-door symposium on Insurance and Policing at the University of Connecticut School of Law. The workshop welcomed legal academics, insurance practitioners, representatives of risk pools, and law enforcement officials for an open discussion on the influence of liability insurance on law enforcement policy.
“Most people don’t think about insurance as a way of effecting police reform. But there’s a growing body of research suggesting that insurance companies and risk pools might be one of the few mechanisms to make progress in policing right now,” Travis Pantin, Director of the Insurance Law Center, said.
The workshop was inspired by the work of Professor John Rappaport of the University of Chicago Law School, whose scholarship has suggested that insurance oversight and underwriting practices might be able to regulate police misconduct. Deborah Ramirez of Northeastern University Law School also attended the workshop, and shared her scholarship focusing on the possibility that individual liability for police officers—similar to the malpractice insurance that individual doctors must purchase—could help to regulate policing.
Ann Gergen, associate director of the Association of Governmental Risk Pools (AGRiP), attended the workshop and said, “This is an issue that risk pools around the country are very focused on right now. It was very insightful to spend an entire day with a roomful of smart people exploring such a complicated and important topic.”
Kiel Brennan-Marquez, director of CCSPI, noted how “gratifying it was to see our Centers’ overlapping efforts toward reform unfold in real-time. This was the beginning of a big-picture conversation about the role insurance can play in police reform, and we look forward to its continuation over the years.”
Participants spent the day on UCONN’s Hartford campus examining specific insurance mechanisms that influence police behavior, models of assessing liability and coverage for law enforcement, and strategies that would allow for more information-sharing among researchers, police departments, and insurers.
“The public is safest when they trust the police and institutions that support our criminal justice system, and the insurance industry can play an important role in building trust in our institutions,” said Ken Barone, Associate Director of the Institute for Municipal and Regional Policy. “I am confident that UConn Law School will continue to convene challenging conversations that lead to thoughtful reforms and policy solutions.”
“I congratulate Professors Brennan-Marquez and Pantin for organizing such an important and thought-provoking workshop,” Dean Eboni S. Nelson said. “The success of the workshop highlights the importance of engaging with stakeholders from different fields to identify sustainable solutions to advance police reform.”
“Questions like, ‘What do communities expect from our law enforcement professionals today?’ and ‘What role can and should the insurance/reinsurance community play in addressing such issues?’ come with no easy answers. But taking the opportunity to wrestle with those questions is an important step,” said Kevin Williams, Senior Vice President at Genesis Insurance. “I’m glad I was able to participate.”
This was the first in-person event co-hosted by the CCSPI and the ILC.
New Ideas in Insurance Returns for Second Round
Leading experts will present the latest and most compelling ideas in insurance during a series of online presentations sponsored by the Insurance Law Center at the University of Connecticut School of Law.
The 2022 New Ideas in Insurance series will begin on Jan. 20 with a lecture by Hannah Farber of Columbia University about how insurance shaped the founding of the United States. The weekly series will continue on Thursdays from 4 to 5 p.m. through April with presentations by scholars, lawyers and industry experts.
A session on Race and Insurance will be held March 31, featuring Connecticut Insurance Commissioner Andrew Mais, Pennsylvania Insurance Commissioner Jessica Altman, and My Chi To, executive deputy superintendent of insurance for the New York State Department of Financial Services. Other topics will include ransomware insurance, firearm safety, third party moral hazard, adverse selection and the transfer of financial risk from government and businesses onto individual households.
”We’re really thrilled with the intellectually diverse lineup of scholars and practitioners that will be presenting this year,” said Travis Pantin, director of the Insurance Law Center. “This is the second year that we’re doing this, and we’ve learned that organizing fully remote workshops is a great way to bring together the geographically dispersed community of insurance law scholars and practitioners. Our goal is to make this the place that insurance law nerds gather to discuss the most interesting academic ideas circulating today.”
“I’m really looking forward to this series, which promises to be very informative and thought-provoking,” Dean Eboni S. Nelson said. “I applaud Insurance Law Center Director Travis Pantin for building upon the excellence of the center by assembling such a stellar roster of participants who will present on timely and interesting topics.”
There is no charge for attendance, but advance registration is required. A full schedule and registration link are available at ilc.law.uconn.edu/new-ideas, along with recordings of presentations from 2021, the first year of the series.
The Insurance Law Center at the UConn School of Law, established in 1998 with an endowment from the insurance community, is an internationally renowned academic center for the study of law, insurance and risk.
Professor Peter Siegelman Explores Third-Party Moral Hazard
Moral hazard is one of the oldest ideas in insurance economics, and plays a central role in the
business of insurance. As has long been understood, it occurs because the transfer of risk from
the policyholder to the insurer leaves the former with a diminished incentive to prevent or avoid
bad outcomes. This insight profoundly shapes the design of insurance contracts; it has also
played a role in thousands of judicial and regulatory decisions in insurance law and has given
rise to a vast academic literature. But insurance does not just affect the behavior of the insured
policyholder: in many settings, it can influence others who are not parties to the insurance
contract. UConn Law Professor Peter Siegelman and Penn Law Professor Gideon Parchomovsky found that this problem requires careful scrutiny and innovative solutions.