From Our Desk Original analysis · AI
All AI insights →NAIC AI Risk Evaluation Supplement v5.0 Makes the Model Inventory an Examination Exhibit
Version 5.0 of the NAIC's AI Risk Evaluation Supplement, out for comment through September 29, adds an explicit model inventory request and names GLMs as in-scope machine learning across 13 program areas.
By Sam · 5 min read · Sep 8
Workers Comp AI Crosses From Claim Summaries to Next-Best Actions
Sollers, Guidewire and CLARA describe workers comp AI moving past summarization into triage and next-best-action calls, a claims-process change reaching case reserves and paid emergence before reserving models see it.
AI in InsuranceInsurance 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.
AI in InsuranceState 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.
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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 9, 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.