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Generative AI Liability Insurance in Missouri

Effective August 28, 2026, Missouri Revised Statutes § 573.570 criminalizes disclosure of a defined intimate digital depiction when the person knowingly discloses it without consent and the statute’s privacy, harm, or other elements are met. The law defines depictions created or altered by digital manipulation, says an unauthorized-content disclaimer is not a defense, and provides a limited provision for interactive services taking good-faith restriction steps. 1,2

What Is Generative AI Liability?

Generative AI liability can help pay covered defense costs and losses when someone claims your AI use caused harm, including infringement or data disclosure. If you use or sell AI outputs, check how the policy fits your role and existing liability coverage. Read the national Generative AI liability guide.

What to Watch for in Missouri

  • Digitally altered images can identify someone even if they did not pose

    Section 573.570 defines a depicted individual as someone who appears in whole or part in an intimate digital depiction as a result of digitization or digital manipulation and is identifiable by likeness or related information. The law defines intimate depictions by specified sexual anatomy or conduct and prohibits covered disclosures without consent under its stated elements. Separate generation, moderation, and distribution roles when notifying a broker. 1

  • A disclaimer does not cure a covered disclosure

    Missouri expressly provides that a notice saying the depiction was unauthorized or that the person did not participate in its creation is not a defense to the disclosure offense. A watermark or “AI-generated” label can support transparency but should not replace consent checks, access controls, or a removal path for disputed intimate content. 1

  • Check which statute governs the image and effective date

    Missouri separately provides a private cause of action for nonconsensual dissemination of private sexual images under § 573.110, with statutory damages and attorney fees. The legislature’s 2026 section addresses intimate digital depictions expressly and has its own effective date and elements. Ask the broker and counsel to map the asserted cause of action and policy period instead of assuming the older provision and new one are interchangeable. 2,1

Who Regulates Insurance in Missouri

Missouri Department of Commerce and Insurance

Missouri DCI licenses insurance producers and insurers, reviews property and casualty rates and forms, and investigates complaints against insurance companies and producers. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 5% of premium; Missouri taxes the entire gross premium when Missouri is the home state When Missouri is the insured’s home state, the state applies its 5% surplus-lines tax to the entire gross premium of a multistate policy; the regulator’s FAQ says the tax includes applicable fees. Eligible nonadmitted insurers do not participate in the Missouri Guaranty Fund, and Missouri generally requires the full amount or kind of coverage to be unavailable from admitted insurers before placement; an exempt commercial purchaser search exception has separate disclosure and written-request conditions. 7,8,9,10

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Missouri

  1. Can your service create, alter, disclose, or host identifiable intimate digital depictions, and what consent check precedes each action?
  2. Do your moderation procedures rely on labels, or do they also restrict access, handle reports, and preserve the record of good-faith response?
  3. Does the quote address statutory damages, attorney fees, criminal defense, and claims arising under Missouri’s 2026 law and existing private-image law?

Generative AI Liability in Missouri: FAQ

Can a Missouri disclaimer make a nonconsensual intimate deepfake lawful? 1

No. Section 573.570 says it is not a defense that the depiction includes a disclaimer that it was unauthorized or that the depicted individual did not participate in making it. 1

Does Missouri give online services blanket immunity for user deepfakes? 1

No. Section 573.570 provides a limited rule for an interactive computer service’s good-faith actions restricting access or enabling others to restrict access. It does not state universal immunity for every service or claim. 1

Generative AI Liability in Other States

Other Coverage in Missouri

Sources

  1. Missouri Revised Statutes § 573.570: Disclosure of an Intimate Digital Depiction. Missouri Revisor of Statutes; Subsections 1–5: definitions, offense, disclaimer rule, service-provider provision, effective Aug. 28, 2026. Accessed 2026-09-29.
  2. Missouri Revised Statutes § 573.110: Nonconsensual Dissemination of Private Sexual Images. Missouri Revisor of Statutes; Subsections 1–7: criminal offense, exemptions, third-party-content provision, and private cause of action; version effective before Aug. 28, 2026. Accessed 2026-09-29.
  3. Missouri Department of Commerce and Insurance. Missouri Department of Commerce and Insurance; Official insurance regulator homepage. Accessed 2026-09-28.
  4. Find an Insurance Agent/Agency. Missouri Department of Commerce and Insurance; Official DCI search page says its License & Contact Info search covers licensed agents and agencies; it links to company search. Accessed 2026-09-28.
  5. Insurance Complaints. Missouri Department of Commerce and Insurance; Complaint filing page; says Consumer Affairs investigates complaints against insurers and producers; consumer hotline 800-726-7390. Accessed 2026-09-28.
  6. Insurance Company Rate, Rule and Policy Form Filings. Missouri Department of Commerce and Insurance; Official DCI rate, rule and form filing page; identifies state oversight of insurer product filings. Accessed 2026-09-28.
  7. Surplus Lines FAQs. Missouri Department of Commerce and Insurance; FAQ states 5% of Missouri net premium including applicable fees and eligible surplus-lines companies do not participate in the Guaranty Fund. Accessed 2026-09-28.
  8. RSMo §384.061. Missouri Revisor of Statutes; Subsections 1–2: entire gross premium is taxed when Missouri is home state; Chapter 384 placement regulation applies only when Missouri is home state. Accessed 2026-09-28.
  9. RSMo §384.021. Missouri Revisor of Statutes; Admitted-market availability rule and exempt commercial purchaser due-diligence exception; exception conditions appear in subsection 2. Accessed 2026-09-28.
  10. Surplus Lines FAQs. Missouri Department of Commerce and Insurance; FAQ says eligible surplus-lines insurers do not participate in the Guaranty Fund. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  13. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  14. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  15. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  16. The Pie Insurance Company — Company Details. Missouri Department of Commerce and Insurance; Company name: THE PIE INSURANCE COMPANY; status Active; NAIC 21857; license B424258; Property and Casualty; date admitted 1999-07-07. The page has no expiry/renewal field. Accessed 2026-09-28. Accessed 2026-09-28.
  17. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  18. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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