Although AI tools have many benefits for the insurance industry, they also provide a platform for fraud. We have seen an increase in claim submissions that would historically be considered acceptable evidence of loss, but in fact have been created to generate a claim or inflate an otherwise legitimate one. This is not only impacting personal lines, where, for example, AI generated photographs of damage are being created, but also commercial lines, where AI is being used to generate fake invoices and statements, among other things.  As access to these AI systems becomes easier, we envisage this trend in fraudulent claims will increase. Insurers need to scrutinise submitted evidence, even from commercial organisations that may on the surface appear successful, legitimate businesses.