Insurers' Liabilities and Responsibilities; Requires surplus lines insurers to comply with valued policy law; requires insurers' decisions to deny claims to be reviewed, approved, & signed off by qualified human professionals; prohibits artificial intelligence, machine learning algorithms, & automated systems from serving as basis for denying claims; requires insurers to maintain certain records of human review process for denied claims; requires insurers to include certain information in denial communications to claimants; authorizes OIR to audit claim denials.