--- title: "Generative AI Liability Insurance in Pennsylvania" description: "Pennsylvania’s 2024 law expanded intimate-image offenses to artificially generated sexual depictions and recognizes a related civil claim." canonical: "https://spot.insure/coverage/generative-ai-liability/pennsylvania" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/generative-ai-liability/pennsylvania) # Generative AI Liability Insurance in Pennsylvania Pennsylvania Act 125 of 2024 amended 18 Pa.C.S. § 3131 to include an artificially generated sexual depiction that realistically shows nudity or sexual conduct that did not occur in reality and was produced substantially through technical means. A person disseminating such a depiction with intent to harass, annoy, or alarm another may face the statutory offense; Title 42 separately provides a civil cause of action for unlawful dissemination.[^1][^2] **Coverage:** [Generative AI liability](/coverage/generative-ai-liability) · [Pennsylvania](/coverage/states/pennsylvania) ## 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](/coverage/generative-ai-liability). ## What to Watch for in Pennsylvania ### The amended offense reaches synthetic depictions Act 125 added definitions for artificial intelligence, generative AI, and artificially generated sexual depiction to § 3131. The depiction must appear authentically to show a person nude or engaging in sexual conduct that did not occur, and its production must substantially depend on technical means rather than physical impersonation. The offense also requires intent to harass, annoy, or alarm; the change does not establish a general cause of action for ordinary generated text or images.[^1] ### Pennsylvania has a separate civil route Title 42 § 8316.1 authorizes a person to bring a civil cause of action based on unlawful dissemination of an intimate image under § 3131 and recover loss or injury. The criminal statute and civil provision are separate sources of exposure, so ask whether the quote treats statutory claims, defense costs, and any other privacy or publicity theories consistently.[^2] ### Intent and exceptions still shape the claim The offense requires intent to harass, annoy, or alarm and has statutory exceptions for specified circumstances. For an AI tool provider, preserve whether the output was a user prompt, how the service handled it, who received the image, and what the accused distributor knew; these facts can distinguish creation from later dissemination and matter to a defense tender.[^1] ## Who Regulates Insurance in Pennsylvania **Pennsylvania Insurance Department.** The Pennsylvania Insurance Department publishes state tools to check licensed producers, agencies, and insurers, and its Consumer Services Online portal accepts complaints about insurers, agents, brokers, and public adjusters. The department also oversees Pennsylvania insurance business and consumer services.[^3][^4][^5] - [Regulator website](https://www.pa.gov/agencies/insurance.html) - [License lookup](https://www.pa.gov/agencies/insurance/resources/search-tool-library) - [File a complaint](https://www.pa.gov/services/insurance/file-a-complaint-with-your-insurance-company-agent-broker-or-public-adjuster) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium (2% for eligible surplus-lines risk retention groups) Pennsylvania charges 3% of gross surplus-lines premiums (2% for an eligible surplus-lines risk-retention group); the tax is in addition to premium, is borne by the insured, and is collected by the producer. For multistate risks, the 2025 Revenue instructions say all gross premiums are taxable when Pennsylvania is the home state, while Insurance Company Law §1621(d) says tax is levied only on premium reasonably ascribable to Pennsylvania risk; confirm allocation with your producer or the state. Surplus-lines coverage is excluded from the guaranty association, and qualifying large risks or exempt commercial purchasers may use distinct no-search routes, with the ECP route requiring disclosure and written request.[^6][^7][^8][^9] ## 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](https://www.pa.gov/agencies/insurance/resources/search-tool-library) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Pennsylvania 1. Can your model or editing tool make realistic sexual depictions of identifiable people, and who can disseminate them? 2. What records establish the user's intent, consent, output provenance, and distribution history? 3. Does the policy address both Pennsylvania’s criminal offense and civil cause of action, including defense and attorney-fee exposure? ## Generative AI Liability in Pennsylvania: FAQ ### Does Pennsylvania Act 125 regulate every generative AI output? No. The amendment concerns artificially generated depictions of nudity or sexual conduct that did not occur in reality, within the offense’s intent and dissemination requirements.[^1] ### Can a Pennsylvania victim sue over an unlawfully disseminated intimate image? Yes. Title 42 § 8316.1 authorizes a civil action based on unlawful dissemination as defined by 18 Pa.C.S. § 3131 to recover loss or injury.[^2] ## Generative AI Liability in Other States - [Alabama](/coverage/generative-ai-liability/alabama) - [Alaska](/coverage/generative-ai-liability/alaska) - [Arizona](/coverage/generative-ai-liability/arizona) - [Arkansas](/coverage/generative-ai-liability/arkansas) - [California](/coverage/generative-ai-liability/california) - [Colorado](/coverage/generative-ai-liability/colorado) - [Connecticut](/coverage/generative-ai-liability/connecticut) - [Delaware](/coverage/generative-ai-liability/delaware) - [District of Columbia](/coverage/generative-ai-liability/district-of-columbia) - [Florida](/coverage/generative-ai-liability/florida) - [Georgia](/coverage/generative-ai-liability/georgia) - [Hawaii](/coverage/generative-ai-liability/hawaii) - [Idaho](/coverage/generative-ai-liability/idaho) - [Illinois](/coverage/generative-ai-liability/illinois) - [Indiana](/coverage/generative-ai-liability/indiana) - [Iowa](/coverage/generative-ai-liability/iowa) - [Kansas](/coverage/generative-ai-liability/kansas) - [Kentucky](/coverage/generative-ai-liability/kentucky) - [Louisiana](/coverage/generative-ai-liability/louisiana) - [Maine](/coverage/generative-ai-liability/maine) - [Maryland](/coverage/generative-ai-liability/maryland) - [Massachusetts](/coverage/generative-ai-liability/massachusetts) - [Michigan](/coverage/generative-ai-liability/michigan) - [Minnesota](/coverage/generative-ai-liability/minnesota) - [Mississippi](/coverage/generative-ai-liability/mississippi) - [Missouri](/coverage/generative-ai-liability/missouri) - [Montana](/coverage/generative-ai-liability/montana) - [Nebraska](/coverage/generative-ai-liability/nebraska) - [Nevada](/coverage/generative-ai-liability/nevada) - [New Hampshire](/coverage/generative-ai-liability/new-hampshire) - [New Jersey](/coverage/generative-ai-liability/new-jersey) - [New Mexico](/coverage/generative-ai-liability/new-mexico) - [New York](/coverage/generative-ai-liability/new-york) - [North Carolina](/coverage/generative-ai-liability/north-carolina) - [North Dakota](/coverage/generative-ai-liability/north-dakota) - [Ohio](/coverage/generative-ai-liability/ohio) - [Oklahoma](/coverage/generative-ai-liability/oklahoma) - [Oregon](/coverage/generative-ai-liability/oregon) - [Rhode Island](/coverage/generative-ai-liability/rhode-island) - [South Carolina](/coverage/generative-ai-liability/south-carolina) - [South Dakota](/coverage/generative-ai-liability/south-dakota) - [Tennessee](/coverage/generative-ai-liability/tennessee) - [Texas](/coverage/generative-ai-liability/texas) - [Utah](/coverage/generative-ai-liability/utah) - [Vermont](/coverage/generative-ai-liability/vermont) - [Virginia](/coverage/generative-ai-liability/virginia) - [Washington](/coverage/generative-ai-liability/washington) - [West Virginia](/coverage/generative-ai-liability/west-virginia) - [Wisconsin](/coverage/generative-ai-liability/wisconsin) - [Wyoming](/coverage/generative-ai-liability/wyoming) [Other Coverage in Pennsylvania](/coverage/states/pennsylvania) ## Sources [^1]: [Pennsylvania Act 125 of 2024](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2024/0/0125..HTM) — Pennsylvania General Assembly; Amendments to 18 Pa.C.S. § 3131(a), (c), and (g): unlawful dissemination and AI-related definitions; effective 60 days after Oct. 29, 2024. Accessed 2026-09-29. [^2]: [Pennsylvania Consolidated Statutes, Title 42, Chapter 83: Civil Remedies](https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/42/00.083..HTM) — Pennsylvania General Assembly; 42 Pa.C.S. § 8316.1: civil cause of action based on unlawful dissemination of intimate image under 18 Pa.C.S. § 3131. Accessed 2026-09-29. [^3]: [pennsylvania insurance regulator](https://www.pa.gov/agencies/insurance.html) — State insurance regulator; PID official agency page and the search/consumer-help service map.. Accessed 2026-09-28. [^4]: [Pennsylvania Insurance Industry Search Tool Library](https://www.pa.gov/agencies/insurance/resources/search-tool-library) — State insurance regulator; PID identifies consumer Sircon and detailed individual, business-entity, and company search tools.. Accessed 2026-09-28. [^5]: [File a Complaint with Your Insurance Company, Agent, Broker, or Public Adjuster](https://www.pa.gov/services/insurance/file-a-complaint-with-your-insurance-company-agent-broker-or-public-adjuster) — State insurance regulator; PID directs insurance complaints and questions to its Consumer Services Online portal.. Accessed 2026-09-28. [^6]: [RCT-123 Gross Premiums Tax - Surplus Lines Agents (2025)](https://www.pa.gov/content/dam/copapwp-pagov/en/revenue/documents/formsandpublications/formsforbusinesses/corporationtax/documents/2025/2025_rct-123.pdf) — Pennsylvania Department of Revenue; Instructions p. 4, imposition/base/rate: 3% on gross premiums; insured bears tax, producer collects/remits; RRG exception 2% per statute.. Accessed 2026-09-28. [^7]: [Insurance Company Law, §1621](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2010/0/0014..HTM) — Pennsylvania General Assembly; Subsection (d): multi-state tax is levied only on premium reasonably ascribable to Pennsylvania risk. This differs from the 2025 RCT-123 instructions, which state all gross premiums taxable if PA is home state; see source tax.. Accessed 2026-09-28. [^8]: [Insurance Department Act, surplus-lines notice provision](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0178..HTM) — Pennsylvania General Assembly; Policy legend: insurer is not licensed and surplus-lines insurance is NOT covered by Pennsylvania Insurance Guaranty Association.. Accessed 2026-09-28. [^9]: [Pennsylvania Insurance Company Law §§1604 and 1610 (40 P.S. §§991.1604, 991.1610)](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2011/0/0028..HTM) — Pennsylvania General Assembly; Act 28 of 2011 §1610(a), (a.1): large-risk criteria and ECP disclosure followed by written request exempt from diligent-search requirements.. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^14]: [Licenses](https://www.nextinsurance.com/insurance-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. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^16]: [Licenses](https://www.vouch.us/legal/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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/generative-ai-liability/pennsylvania.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)