---
title: "Tender of a claim or suit to a liability insurer"
url: "https://ailawframework.com/precedents/insurance-law/us-coverage-tender-letter"
type: "precedent"
site: "AI Law Framework"
id: "a22-us-coverage-tender-letter"
area_id: "A22"
kind: "letter"
ai_level: "yellow"
version: 1
task_ids: ["A22-T1-R1", "A22-T1-R14", "A22-T20261018-1"]
law_stated_as_at: "2026-10-22"
---

# Tender of a claim or suit to a liability insurer

> A notice to a liability insurer that a claim or a suit has been made, enclosing the papers the lawyer marks.…

Canonical page: https://ailawframework.com/precedents/insurance-law/us-coverage-tender-letter  
Law stated as at: 2026-10-22

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

A notice to a liability insurer that a claim or a suit has been made, enclosing the papers the lawyer marks. New York Insurance Law § 3420 is cited only for policies issued or delivered in New York, and only after the lawyer reads the exception in subsection (g).

## Key facts

- Kind: Letter. A letter or email you adapt and send.
- Practice area: [Insurance Law](https://ailawframework.com/precedents/insurance-law.md)
- Jurisdictions: United States
- AI level: Yellow. You and the tool draft together, with you directing. You check every statement you rely on.
- Law stated as at: 2026-10-22
- Status: Maintained. Checked on 2026-10-22 against the authority it cites, for United States.

## When to use it

Use when an insured must tell a liability insurer about a claim or a suit. Do not use it as a proof of loss. Do not use the New York sentences for a policy that was not issued or delivered in New York.

## Used for these tasks

- [Review the policy wording and draft a coverage advice table](https://ailawframework.com/practice/insurance-law/review-the-policy-wording-and-draft-a-coverage-advice-table.md)
- [Draft a coverage-position letter from the approved issues table](https://ailawframework.com/practice/insurance-law/draft-a-coverage-position-letter-from-the-approved-issues-table.md)
- [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)

## How AI may be used

AI may enclose the claim or the pleading the lawyer marks and copy the policy number from the declarations. The lawyer decides where notice must go and whether section 3420 applies.

**AI may:**

- Attach the papers the lawyer lists and copy the policy number from the declarations
- Use the notice address printed in the policy
- Flag a New York legal conclusion on a policy that is not identified as issued or delivered in New York

**AI must not:**

- Must not decide that the policy covers the claim
- Must not concede that notice is late
- Must not send the letter or file a declaratory judgment action

**The lawyer checks:**

- The notice address and the policy number match the policy
- Section 3420 is used only if the lawyer decides the policy is one the section covers, after reading subsection (g)
- The letter is not a sworn proof of loss

## Authorities

- [N.Y. Ins. Law § 3420(a)(3), (a)(4), (a)(5) and (d)(2) (notice provisions in liability policies issued or delivered in New York; disclaimer as soon as reasonably possible). Senate site, revision shown as July 3, 2026.](https://www.nysenate.gov/legislation/laws/ISC/3420)

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/insurance-law/us-coverage-tender-letter and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

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