---
title: "Draft the notice of circumstances under a claims-made liability policy"
url: "https://ailawframework.com/practice/insurance-law/draft-the-notification-of-circumstances-under-a-claims-made-liability-po/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T20261018-1-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Draft the notice of circumstances under a claims-made liability policy

> Extract the policy's notice clause, the claims-made period, the circumstance the client describes, and the date the client first knew of it. Write no sentence of the notice.

Canonical page: https://ailawframework.com/practice/insurance-law/draft-the-notification-of-circumstances-under-a-claims-made-liability-po/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | Extract the policy's notice clause, the claims-made period, the circumstance the client describes, and the date the client first knew of it. Write no sentence of the notice. |
| What the lawyer must review | What must be notified, and by when, is the policy, read under the state's law of insurance contracts. 15 U.S.C. § 1012 leaves that law to the state. Some states limit forfeiture for late notice; claims-made wording is often treated differently from occurrence wording. You read the clause and the state's cases before the notice is sent. You do not assume a statutory right to notify a circumstance the way an Australian statute provides. |
| Written for | United States |
| Applies to | [Draft the notification of circumstances under a claims-made liability policy](https://ailawframework.com/practice/insurance-law/draft-the-notification-of-circumstances-under-a-claims-made-liability-po.md) |

## Checking plan

- What the AI does: Extract the policy's notice clause, the claims-made period, the circumstance the client describes, and the date the client first knew of it. Write no sentence of the notice.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- The notice that is sent is your letter. A tool's draft does not go out.
- Do not cite Insurance Contracts Act 1984 (Cth) sections 40 or 54.

## Sources

- [15 U.S.C. § 1012, McCarran-Ferguson Act: regulation by State law](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)
- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Tender of a claim or suit to a liability insurer](https://ailawframework.com/precedents/insurance-law/us-coverage-tender-letter.md) | Letter | Yellow | A notice to a liability insurer that a claim or a suit has been made, enclosing the papers the lawyer marks.… |

Signed-in accounts can read the full text of each one.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*