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legal_gov · ABA Model Rule 1.6 · ABA Model Rule 5.5 · Fed R Evid 502

Legal / Law Firms

Rule 1.1 competence includes AI — hallucinated citation = malpractice per se pattern

ABA AI ethics opinions enforcement
Regulatory exposure — commonly overlooked:
Law firm uses AI for brief — firm owns malpractice, vendor owns ToS. Receipt proves human review occurred. · Florida property insurers using AI for claims while Citizens backs up market — AI claim denial = political lightning rod.

TAM / Exposure

$50B+ legal tech · malpractice insurers tightening AI exclusions

Insurance lines

Legal malpractice · Cyber

Exhibit authority

Florida OIR AI Pack — Legal AI Competence + Rule 1.1 Pack

Global leaders

Clio · Harvey AI · ABA · State bars · DOJ · Florida OIR · Citizens Property · Universal Property

Hallucinated citations

Mata v. Avianca established sanctions — receipt of human verification step required.

Rule 5.5 UPL

AI giving legal advice to consumers — platform liability without receipt chain.

Malpractice insurers

LPL carriers adding AI exclusions — affirmative coverage needs proof infrastructure.

[Florida] Hurricane claims AI

Post-Idalia/Ian claims AI scrutiny — bad faith with AI lowball estimate.

[Florida] Surplus lines

Florida largest homeowners market collapse — AI underwriting receipt mandatory for OIR exam.

[Text / Chat] Modality hook

Baseline — all frameworks apply to text decisions.

7 mandate layers (live)

Regulatory Clock Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition. Open →
Domain Classifier Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping. Open →
Exhibit / Filing Pack Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11. Open →
Mandate Registry Enroll deployers/insureds under vertical-specific governance mandate. Open →
Bind / Action Gate ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker. Open →
Compliance Certificate Deployer-facing downloadable cert — forward to counsel, auditor, regulator. Open →
Actuarial / Risk Feed Anonymized asymmetry signals for pricing, reserving, reinsurance correlation. Open →
Run legal demo Regulatory calendar Download exhibit pack Verify independently