14/08/2026
Insurance Coverage Opinions in the Age of AI
by Monique Platzer Vélez, Esq., P.E., CPCU, CIC, AFSB
Artificial intelligence will increasingly assist lawyers, insurers, and claims professionals in reviewing policies, organizing facts, and identifying coverage issues. However, insurance coverage opinions require more than speed and automation. They require experience, legal judgment, ethical responsibility, and a careful understanding of the facts, policy language, exclusions, endorsements, and applicable law.
AI can be a valuable tool, but it can also repeat incomplete analysis, outdated assumptions, or incorrect conclusions if it is not properly supervised. In coverage matters, one wrong assumption can affect the entire opinion. That is why experienced professionals are more important than ever: to verify the analysis, question the output, and ensure that artificial intelligence does not simply replicate the wrong human intelligence.
As a licensed Puerto Rican attorney and Professional Engineer (PE) with experience in insurance, surety, technology, and coverage analysis, I assist insurers, insureds, and professionals in evaluating complex coverage issues with the judgment, diligence, and practical insight that AI alone cannot provide.
If you represent an insurance company, need an expert report, or require legal advice related to insurance coverage or bonds, you may contact me and my team at [email protected]. One of my team members will schedule a meeting with me to discuss your needs.
****Need an insurance coverage opinion, expert report, or legal advice on insurance and bonds?
Contact [email protected] to schedule a meeting with Monique Platzer, Esq. *****
