Two-thirds of independent agencies plan to increase AI use in the next 12 months, but only 13% have a formal governance policy. Cost is not the barrier; data privacy, compliance risk, and accuracy concerns are. No major carrier has launched a dedicated AI governance program for agents, despite growing E&O exposure and 24 states enforcing NAIC AI oversight requirements. The carrier that fills this vacuum first earns embedded distribution loyalty. The one that waits inherits unpriced liability.
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