From Our Desk Original analysis · AI
All AI insights →Insurance AI Patents: 61% Drew an Eligibility Rejection and Issued Anyway
Section 101 reads like an existential threat to an AI patent. Across the 161 insurance AI patents granted in 2026 whose file wrappers we parsed, 61% had been rejected as ineligible before they issued. The rejection costs about three months, not the patent.
By Sam · 4 min read · Aug 31
State Farm Patents a Crowdsourced Catastrophe Loss Engine
State Farm's US Patent 12,700,043, granted August 4, 2026, fuses a weather feed with geotagged crowdsourced photos to estimate damage at a single address, and lets a neighbor's claim trigger the assessment.
AI in InsuranceOptum Patents an AI That Reads Dental X-Rays for Upcoding
Optum won US Patent 12,718,300 on August 25, 2026 for a dental claim flag that runs clinical images through three AI models, scores the overlap of their bounding boxes, and tests the result against the billed CDT code.
AI in InsuranceTD Bank Patents a Claims Fraud Model That Scores the Claimant's Network
TD Bank won US Patent 12,711,554 on August 18, 2026 for a claims fraud model that walks five layers out through shared phones, emails and VINs, then denies follow-on transactions from parties tied to the flagged claim.
AI UnderwritingThe Automated Life Underwriting Patent Swiss Re Built and Sold
US Patent 12,705,675, granted August 11, 2026, claims a chained machine learning pipeline that parses in-force life policies and trips an automated underwriting trigger. Swiss Re invented it; AccuQuote holds it.
AI in InsuranceVerisk Patents a Forgery Detector for Claims Documents
Insurance Services Office won US Patent 12,694,109 on July 28, 2026, for a pipeline that runs twenty structural checks on a claims PDF, scores it for tampering, and highlights the region that was altered.
AI in InsuranceQuanata Patents an ML Engine That Values What You Own
Quanata's US Patent 12,700,041, granted August 4, 2026, predicts what a policyholder owns from historical claims records and prices each item, then retrains on the corrections customers make to the list.
AI in InsuranceAllstate's Patent Puts a GPT Between the FNOL Call and the Payout Model
Allstate's US 12,705,674, granted August 11, 2026, has a GPT parse free-text loss statements into 20-plus claim variables, prompting for missing ones, then feeds a model predicting payout and total loss.
AI in InsuranceMunich Re Buys At-Bay for $575 Million to Own AI Cyber Underwriting
Munich Re is paying $575 million for AI-native cyber insurtech At-Bay, folding it into Hartford Steam Boiler and testing whether active risk mitigation cuts cyber loss frequency or just prices selection.
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- ICEYE & The Water Institute partner to advance predictive flood intelligenceReinsurance News · 2d ago
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- Howden Re and Synthetik launch dedicated SRCC analytics capability, UNRESTReinsurance News · 2d ago
- The Latest Launches from ZestyAI, VeriskCarrier Management · 3d ago
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- Verisk Launches Data Center Exposure DatabaseInsurance Innovation Reporter · 3d ago
- AI putting brokerage integration strategies to the test: ALKEME CEOInsurance Business · 3d ago
- How AI is transforming claimsInsurance Business · 3d ago
- New research examines insurance’s verification gap amid rapid AI adoptionInsurtech Insights · 3d ago
- Why AI scribes are a malpractice risk, according to expertsHealthcare Dive · 3d ago
- 40% of large firms underinsured amid cybercrime surge: Swiss ReDigital Insurance · 3d ago
AI Patent Watch AI patent grants by filer · 12mo to Sep 2026
Patent coverage →Granted US utility patents in the patent office's artificial intelligence and machine learning classifications, by filing organization. Source: United States Patent and Trademark Office, as of September 7, 2026. ▲ marks more grants than the prior 12-month period, a measure of activity rather than of quality. Full leaderboard, quarterly trend and the newest grants: AI Patent Watch.