
The twelve questions an AI use policy has to answer
July 17, 2026
What an insurer, auditor or client reads for in an AI use policy: twelve questions that test any draft, template-started or written from scratch, before someone asks to see it.
Industries · Maritime Professional Services
The court has already referred lawyers to their regulators over fabricated citations, the PII proposal form now asks how the practice uses AI, and the regulator answers AI with duties you already carry: what a written position covers for a UK practice, and the safest way to build one.
A maritime practice runs on documents other people rely on. Survey reports that decide a purchase, advices that decide a claim, disbursement accounts that clear a port call. The signature at the bottom is yours, and the professional indemnity policy behind it renews every year.
AI has already reached most practices through the software they run. The practice management system drafts now. The survey platform writes report sections from field photos. A junior pastes a clause into a public chatbot because it is quick. Each of these is useful, and each one changes what you would need to say if a court, a client or an underwriter asked how the document was made.
The courts have published their rules. The insurers have written their questions. A small practice can hold a clear, written answer to both, and it takes less time to build than one contested file.
Where this sits for you
In June 2025 the High Court of England and Wales, sitting as a Divisional Court, found the threshold for contempt proceedings met over five fabricated case citations, referred the lawyers involved to their regulators, and warned that lawyers who fail their professional obligations on AI risk severe sanction.
Trade reporting puts AI on solicitors' professional indemnity proposal forms, with underwriters asking how AI is applied across practice areas, what governance policies sit around it, and whether staff are trained, while noting no significant AI-related claims to date.
The Solicitors Regulation Authority, the regulator of solicitors in England and Wales, has written no AI-specific rules. Its position is that the existing framework already answers: verification of outputs, confidentiality, supervision, and clarity to clients where they interface with AI, with the compliance officer for legal practice expected to own the answer when new technology comes in.
The Judiciary's AI guidance for judicial office holders was refreshed on 31 October 2025, expanding on hallucination and bias, adding confidentiality and data-incident reporting advice, and warning about hidden white text in documents. The bench holds itself to verification; it will expect no less from the papers in front of it.
The June 2026 issue of the Report Magazine of the International Institute of Marine Surveying, the UK-based surveyors' institute with about 1,000 members across more than 100 countries, argues from the principles of marine insurance that insurers should require surveyors to declare the type, scope and specific AI tools used in an assessment, and flags the risk of vessel, voyage or cargo data entering the public domain through open AI models. The disclosure clause is being argued from inside the profession.
The IIMS runs a continuing series in its Report Magazine on what a hybrid surveyor can and cannot let AI validate, across its membership in more than 100 countries.
The marine industry's median age is 49.5 with nearly 40 percent of the workforce over 50, and marine surveying ages with the seafarer cohort that feeds it. A one-to-three principal practice with no internal successor is the modal firm in this corner of the profession.
Sophisticated clients now write AI-efficiency discounts into standard engagement terms, panel rates hold surveyors to fixed fees, and lawyers lose nearly half the non-billable day to administration. Each hour a report runs past the estimate comes out of the principal's margin.
Your World
The London-market question set
UKUnderwriters now work from the Lloyd's Market Association's example AI questions and the Browne Jacobson proposal-form set, which ask who reviews AI-assisted output before it is relied on.
High Court ruling on fabricated cases
UKIn Ayinde v Haringey (Divisional Court, 6 June 2025) the High Court found the threshold for contempt met over a pleading citing five non-existent authorities and referred the lawyers to their regulators.
Condition and pre-purchase surveys
Condition and pre-purchase survey reports are the work product other people rely on, and the signature at the bottom carries the professional indemnity behind it.
Disbursement accounts and port calls
Port agencies carry operational costs an estimated 20 to 25 percent higher than standardised industries because of fragmented port systems and constantly changing customs and immigration procedure.
The Opportunity
The UK wrote no AI statute; it enforces through what already binds. The Divisional Court showed in June 2025 what that looks like, the judiciary refreshed its own guidance in October 2025, and the SRA reads AI through duties a practice already carries: verification, confidentiality, supervision, clarity to clients. UK data law moved as well, with the Data (Use and Access) Act 2025 amending UK GDPR from February 2026 and an ICO code on AI and automated decision-making in progress.
Used under a review rule, AI already does defined work across a maritime practice, and each task below carries a named human check. The same written position that sets those checks is the document the PII proposal form, the regulator's guidance and the court each ask about in their own words. One office policy, one verification step, one answer that holds in front of the court, the regulator and the underwriter at once.
First-draft advices and memos
Governed AI produces the first draft of an advice memo or a report section from the matter file, which shortens the drafting block that runs into the evenings, and the principal reviews and signs it under the review rule the policy sets before it leaves the practice.
Matter and file summaries
AI condenses a matter file or a bundle of class records into a working summary, which gets the fee-earner to the issues faster, and the fee-earner checks it against the source before relying on it.
Disbursement narratives
For an agency, AI drafts the narrative on a port disbursement account from the underlying entries, which clears the port call sooner, and a person reconciles it against the ledger before it reaches the principal.
Survey report sections
The survey platform drafts report sections from field photographs and notes, which returns drafting time to the surveyor, and the surveyor confirms each finding against what they saw before the report is issued.
PI renewal answers
AI assembles a first draft of the written answers an insurer's AI question set now asks for, which turns a blank proposal form into a starting point, and the principal confirms each answer reflects actual practice before submission.
These are the workflows the prompt library and the training stand up, under the standard the documents set.
Where to start
See your position, about five minutes.
The written policy and position, mapped to your obligations, and the working start for the practice: a prompt library that starts the first governed workflow under the review rule your policy sets, 90 days of team education, a recorded briefing, a 30-minute walkthrough call and 30 days of email support. USD $690 founding, then USD $990.
CPD-ready, the practice in one room.
For the firm with departments.
Prefer the done-with-you path? Request the Engagement Guide.
Documented Work

3 role-based workshop days, designed from a 12-department audit · 18 people certified, from maintenance and marine to finance and the executive team · Every participant left with a working AI setup and a reusable Skill built on a real task from their own role · Weeks later, reported publicly by the client: the team using AI more, sharing wins, and a real shift in the day to day
A twelve-department audit produced three role-based workshop days that certified eighteen people across ten departments, with the CHART quality method and the data rule embedded across the team and every certificate carrying a public verification page.
Read full engagement
2,040 indexable pages · 1,645 articles migrated · 146 member and partner listings · Over 1 million requests a month · ChatGPT reading 9,400+ pages in a single day · Cited and fetched live in ChatGPT daily
The Asia-Pacific Superyacht Association (APSA) was running a static HTML website carrying close to fifteen years of content. Southern Sky AI rebuilt it as a platform of 2,040 indexable pages, 1,645 migrated articles, a 146-listing member and partner directory, and 47 events, with structured schema.org data on every page and an llms.txt file. The site now handles over a million requests a month, is cited as a source in ChatGPT, and is read live by AI assistants every day, and in one recent day, ChatGPT's crawler alone read more than 9,400 pages.
Read full engagementReading

2026
The AI management system standard, read for maritime operators.

2026
The regulators, the obligations, and the moves that matter first.

July 17, 2026
What an insurer, auditor or client reads for in an AI use policy: twelve questions that test any draft, template-started or written from scratch, before someone asks to see it.

Written from inside your world
Kristina Agustin
Founder & Principal Digital Navigator, Southern Sky AI
20+ years in international superyacht and maritime operations. Legally trained (LLB, Graduate Diploma of Legal Practice). AI educator and consultant. ATSE Elevate Scholar 2026.
Start Here
Run the AI Baseline Report for your practice. Nineteen plain questions, about five minutes, and it reads you back where AI already sits in your practice, the rules that already apply to you, and the moves that matter most, ranked from the top. It is written for the person whose name is on the letterhead.
Get your baselineQuestions
The AI Baseline Report reads your position in about five minutes, and your answers pre-fill everything that follows.
Run the Baseline