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VA HB437: Insurance; standards of conduct for public adjusters, unauthorized practice of public adjusting.

Effective Jul 1, 2026 Virginia · 2026 session

Last verified Oct 12, 2026 · official bill text

HB437 · where it stands

All steps complete
  1. Introduced Complete
  2. Passed first chamber Complete
  3. Passed both chambers Complete
  4. Enacted Complete
  5. Effective Since Jul 1, 2026
What do these statuses mean?
Introduced
Filed in the legislature; may be waiting for a committee hearing.
Passed a chamber
Approved by one or both chambers; awaiting further action.
Enacted
Signed into law, or became law without a signature or over a veto.
Effective date
The date the law says it takes effect. Once it has passed, the page shows "Effective" and the date. A court order can still block a law; if we know of one, the summary says so.
Dead / vetoed
Vetoed, failed, or the session ended without action.

In one paragraph

Virginia HB 437 (Chapter 142 of 2026) tightens rules for public adjusters, who negotiate property insurance claims for policyholders. Its AI-relevant provision is Va. Code § 38.2-1845.23 D: a written or electronic ad that uses an unlicensed spokesperson must say the person is a paid or unpaid, unlicensed spokesperson endorsing the adjuster, and "shall also disclose if a computer-generated digital avatar is used." The licensed adjuster named in the ad must personally review it. The rest of the act covers unlicensed adjusting, assignment of benefits and conduct toward vulnerable adults. Effective July 1, 2026.

Plain-English summary, written with AI assistance. The official text controls.

What it means for business

Public adjusters whose Virginia ads use a spokesperson must disclose any computer-generated digital avatar.

Key provisions

  1. Va. Code § 38.2-1845.23 D: an ad using an unlicensed spokesperson must say the person is a paid or unpaid, unlicensed spokesperson, and must also disclose if a computer-generated digital avatar is used
  2. The licensed public adjuster named in the ad must personally review it for compliance
  3. Effective July 1, 2026

Latest legislative action

Apr 6, 2026. Approved by Governor-Chapter 142 (effective 7/1/2026)

Topics and industries

Related topics

AI TransparencyAI in Insurance

Affected industries

Finance

This page is general information, not legal advice. Summaries are AI-assisted and may contain errors; read the statute for the controlling text and talk to a lawyer about your situation. Full disclaimer · Report an error

Related AI laws in Virginia

All Virginia bills →
HB1496 Law-enforcement agencies; surveillance technology reporting. HB1294 Use of artificial intelligence-based tools; covered artificial intelligence, dis SB365 Fostering Access, Innovation, and Responsibility in Artificial Intelligence Act; HB713 Fostering Access, Innovation, and Responsibility in Artificial Intelligence Act; HB1295 Law enforcement; artificial intelligence inventory, civil action. HB2121 Digital Content Authenticity and Transparency Act; established, civil penalty.

Same topic in other states

Nebraska LB77 Adopt the Ensuring Transparency in Prior Authorization Act and provide for insur Colorado SB189 Automated Decision-Making Technology Indiana HB1620 Disclosure of artificial intelligence use in health care. New York S05486 Requires certain disclosures by automobile insurers relating to the use of telem Rhode Island SB2010 AN ACT RELATING TO INSURANCE -- THE TRANSPARENCY AND ACCOUNTABILITY IN ARTIFICIA Texas HB4635 Relating to disclosure of the use of artificial intelligence in the denial of in