Get Started

Generative AI Liability Insurance in Rhode Island

Rhode Island’s 2025 amendment covers an intimate image made with a digital device or altered by digitization when it is disseminated without consent and the other statutory privacy and harm elements are met. The state’s separate privacy statute recognizes claims for unpermitted, beneficial appropriation of a person’s name or likeness and for false light publication, each with its own elements. 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 Rhode Island

  • Rhode Island includes digital creation and alteration

    The 2025 amendment to R.I. Gen. Laws § 11-64-3 includes an image created by a digital device or altered by digitization, but still requires the listed circumstances, lack of consent to dissemination, and knowledge of likely harm or intent to harass, intimidate, threaten, or coerce. Apply the full elements instead of treating any synthetic likeness as this crime. 1

  • Rhode Island privacy law separately addresses appropriation

    For appropriation of name or likeness, § 9-1-28.1 requires no permission and an act benefiting someone other than the claimant; publication is not required for that branch. Licensing and monetization records matter even when an image is not distributed as an intimate depiction. 2

  • Rhode Island recognizes a distinct false-light theory

    The privacy statute also addresses publicity that reasonably places someone in a false light: it requires publication of a false or fictitious fact implying a nonexistent association that would be objectionable to a reasonable person. This can matter to synthetic endorsements or fabricated statements outside the intimate-image setting. 2

Who Regulates Insurance in Rhode Island

Rhode Island Department of Business Regulation, Insurance Division

The DBR Insurance Division provides an online public verification service for producers, adjusters, surplus-lines brokers, and other licensees, and accepts insurance complaints online. Contact the Division for help determining whether it has authority over a particular policy or dispute. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4% of net taxable premium; 2018 filing guide excludes listed broker, carrier and inspection fees Rhode Island’s 2024 return applies 4% to net taxable premium (gross premium less returned premium); its 2018 filing guide excludes broker, carrier, and inspection fees from the base. Confirm fee treatment with the Division of Taxation if your bill separates those charges, because no newer official fee-base guidance was located. 6,7

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 Rhode Island

  1. Can a generated or digitized intimate image be disclosed, and what consent and privacy facts support the disclosure?
  2. Do commercial synthetic likeness uses benefit the business without permission or imply a false association?
  3. Does the policy address criminal defense and separate Rhode Island privacy claims involving intimate content, appropriation, or false light?

Generative AI Liability in Rhode Island: FAQ

Does Rhode Island’s 2025 offense include digitally altered intimate images? 1

Yes, the amended statute expressly includes images created by a digital device or altered by digitization, subject to the statute’s remaining elements and exceptions. 1

Does a Rhode Island appropriation claim require publication? 2

No. The appropriation branch requires lack of permission and benefit to someone other than the claimant, but says publication need not be established. 2

Generative AI Liability in Other States

Other Coverage in Rhode Island

Sources

  1. Rhode Island General Laws § 11-64-3: Unauthorized dissemination of indecent material. Rhode Island General Assembly; Current codified text; digital-device and digitization coverage, offense elements, exceptions, and penalties; amended by 2025 P.L. chs. 429 and 430, effective July 2, 2025. Accessed 2026-09-29.
  2. Rhode Island General Laws § 9-1-28.1: Right to privacy. Rhode Island General Assembly; Subsections (a)(2) and (a)(4): appropriation of name or likeness and false-light publicity; private action under subsection (b). Accessed 2026-09-29.
  3. rhode-island insurance regulator. State insurance regulator; DBR Insurance Division overview links to complaint, license lookup, statutes, and regulations. Accessed 2026-09-28.
  4. DBR License Status Verification. State insurance regulator; Official page identifies online NAIC-partnered status checks for producers, adjusters, motor vehicle appraisers, surplus-lines brokers, and reinsurance intermediaries. Accessed 2026-09-28.
  5. DBR Insurance Consumers. State insurance regulator; Official consumer page explains the division's regulated insurance lines and online complaint route. Accessed 2026-09-28.
  6. 2025 T-71A Surplus Line Broker Return of Gross Premiums. Rhode Island Division of Taxation; 2025 return, p. 1, lines 1–4: net taxable premium is gross premium less returned premiums; 4% tax; filing due April 1, 2026. Accessed 2026-09-28.
  7. Guide to Tax Filings for Surplus Lines. Rhode Island Division of Taxation; 2018 Guide to tax filings, surplus-lines section: gross premium for tax purposes excludes carrier, broker, and inspection fees; no newer official fee-base instruction located as of 2026-09-28. Accessed 2026-09-28.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot