
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
Standing orders court by court, an ethics opinion in your home state, and AI questions on the malpractice renewal: what a written position answers for a US 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 are you based?
Where this sits for you
ABA Formal Opinion 512, issued by the American Bar Association, the national professional body of US lawyers, on 29 July 2024, reads generative AI into six existing duties: competence, confidentiality, client communication, candor toward the tribunal, supervision and reasonable fees.
There is no single federal rule on AI in filings; there are standing orders and local rules court by court, tracked publicly by Law360 and Ropes & Gray. The Western District of North Carolina requires a certification with every filing that no unapproved AI was used in preparation and that every citation has been human-checked.
Florida's Ethics Opinion 24-1 arrived in January 2024, Texas Opinion 705 in February 2025 requires human oversight of AI-generated work to keep fabricated citations out of court, and California and New York carry guidance of their own. A US practice answers to one national opinion, a home-state opinion and the judge's rule at once.
CNA, the largest legal malpractice carrier in the US, sends supplemental AI questionnaires at renewal, and WTW's Insurance Marketplace Realities 2026 describes the year to January 2026 as a structural break in professional liability: silent AI cover giving way to affirmative but conditioned cover, exclusions, or governance-contingent terms.
AI-first survey report tools are selling directly into the US surveyor market with standards-aware findings language. If an AI-drafted condition report later becomes expert evidence, the disclosure question arrives with the subpoena, and the answer is the practice's written record of what drafted the report and who checked it.
Surveyed lawyers work long weeks, with 53 percent of Australian lawyers past 40 hours, and surveyors and agents run the same arithmetic without the survey behind them, and among sole practitioners nearly half work past 50. Surveyors and agents run the same arithmetic without the survey behind them: attendances by day, report writing by night. A third of surveyed lawyers wanted to leave their firm.
Australia's APRA series shows the average professional indemnity premium per risk rising from $2,116 in 2013 to $8,503 by mid-2022, and the renewal question set that now follows it is a London-market instrument before easing, and for surveyors the run-off obligation stretches the cost six years past retirement. The renewal conversation is lengthening too: underwriters now arrive with written AI question sets, and a documented position is what answers them.
In Australia, NSW's Practice Note SC Gen 23 bars generative AI from drafting affidavits and expert reports without leave, Victoria elevated its guidance into SC GEN 25 in May 2026, and the Federal Court has already imposed indemnity costs over fabricated citations. The expert-witness perimeter takes in surveyors and consultants, so these rules reach the surveyors and consultants in the cluster too, and bind them personally.
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.
The Opportunity
Thomson Reuters puts law-firm attorney generative-AI use in the United States at 41 percent, and the average US lawyer bills about 2.9 hours of an eight-hour day, so the drafting hours AI returns go straight to the number the practice already measures. 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 renewal questionnaire, the standing order and the state bar opinion each ask about in their own words. One office policy, one verification step, one answer that holds whichever courtroom asks.
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.
Your World
The US practice numbers
USIn the United States, Thomson Reuters puts law-firm attorney generative-AI use at 41 percent, and carriers add supplemental AI questionnaires at renewal.
ABA opinion on AI ethics
USABA Formal Opinion 512, issued by the American Bar Association, the national professional body of US lawyers, on 29 July 2024, reads generative AI into six existing duties: competence, confidentiality, client communication, candor toward the tribunal, supervision and reasonable fees.
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.
Claims-made cover and run-off
AUSAIMS tells its surveyors that professional indemnity is a vital risk-transfer mechanism and warns them to budget for six years of run-off cover after they stop practising.
SC Gen 23 and expert reports
AUSSince February 2025, NSW Practice Note SC Gen 23 bars generative AI from drafting any part of an expert report without the court's leave, and where leave is granted the program, version and prompts must be disclosed.
Utilisation and the realisation dollar
AUSThe average lawyer bills about 2.9 hours of an eight-hour day, and realisation across Australian firms sits near 85 cents collected per dollar billed.
The CPD year and its points
AUSThe legal profession carries 10 CPD units a year and AIMS requires 10 CPD points per calendar year, evidenced, so AI training that carries CPD credit slots into money already committed.
AIMS, MLAANZ and IIMS
AUSAIMS holds its national conference in Fremantle in May 2026 and MLAANZ runs its annual conference, while the IIMS Report Magazine runs a continuing AI series across its 100-plus-country membership.
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.
Singapore courts permit AI
SGSingapore's Guide on the Use of Generative AI Tools by Court Users, effective 1 October 2024, permits generative AI provided the court user verifies every output and checks citations against authoritative sources, where NSW bans generative drafting of expert reports without leave.
Hong Kong competence now expected
HKThe Law Society of Hong Kong's 2024 position paper states that technological competence now sits inside a solicitor's required skill set, with AI treated as a tool and not a substitute for professional responsibility.
Indemnity cover behind every claim
HKHong Kong's Solicitors' Professional Indemnity Scheme indemnifies firms at HK$20m per claim for claims first made on or after 1 October 2019.
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.
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.
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