AI is reaching the US office the same way it reaches Antibes: owner reports summarised across currencies, charter clauses read in plain English, a single office standard adapted per vessel, each drafted for a named check before it reaches an owner, a flag state or an insurer. The US season adds a translation burden the Med office does not carry, MYBA crewed terms converting to bareboat structures under coastwise rules, and that conversion paperwork is drafting-for-review material of the same kind. The questions arrive through the office's own covers first: the documented AI question sets sit in professional indemnity, E&O and cyber lines, and an April 2026 survey of firms holding over 60 percent of Lloyd's stamp capacity found 93 percent have or are developing formal AI governance frameworks.