Trust Foundations

Research for AI work that has to survive production.

Regulation, insurance, governance, and deployment analysis organized around the controls that make managed AI operations usable in the real world.

11states tracked
3carrier forms
8common answers
11research articles
Operating Map

The research is organized by the questions teams ask before AI work reaches customers, candidates, clients, or policy language.

Use the hub as a decision surface: find the regulation, locate the coverage constraint, then translate it into workflow controls.

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4 use cases Education & EdTech Schools, universities, EdTech platforms, and learning management providers that deploy AI for admissions screening, student assessment, academic proctoring, and personalized learning. These firms face regulatory scrutiny because AI in education affects access to educational opportunities — education is explicitly listed as a consequential decision domain in multiple state AI laws alongside employment, healthcare, and housing. E&O, Cyber, D&O, CGL 4 use cases Financial Services & Fintech Banks, credit unions, investment firms, fintech companies, and financial advisors that deploy AI for credit decisioning, underwriting, portfolio management, fraud detection, and customer engagement. These firms face overlapping state AI obligations and federal financial regulations (ECOA, FCRA, Dodd-Frank), creating a layered compliance environment where state AI laws add requirements on top of — not in place of — existing federal frameworks. D&O, E&O, Cyber, Fiduciary 4 use cases Healthcare Providers & Health Tech Hospitals, physician practices, telemedicine platforms, and health technology companies that deploy AI for clinical decision support, patient triage, diagnostic assistance, and patient communication. These firms operate under heightened regulatory scrutiny because AI errors can directly affect patient safety and health outcomes, and because healthcare is explicitly listed as a high-risk decision domain in multiple state AI laws. Medical Malpractice, E&O, Cyber, D&O 4 use cases HR & Recruiting Firms Staffing agencies, recruiting firms, and HR technology providers that use AI for candidate sourcing, resume screening, interview analysis, and employment decision support. These firms face heightened regulatory scrutiny because AI in hiring directly affects individuals' economic opportunities. EPL, E&O, Cyber, D&O 4 use cases Insurance Brokers Insurance brokers and agents who use AI tools for underwriting support, client risk assessment, claims processing, and policy recommendation. E&O, CGL, Cyber, D&O 4 use cases Law Firms Law firms and legal professionals using AI for legal research, document review, contract analysis, and client advisory services. E&O, Cyber, D&O 4 use cases Marketing Agencies Marketing and creative agencies that use AI tools for content creation, design, client communication, and campaign management. E&O, CGL, Cyber 4 use cases Real Estate & Property Management Real estate brokerages, property management firms, proptech platforms, and real estate investment companies that deploy AI for property valuation, tenant screening, listing optimization, and client engagement. These firms face regulatory scrutiny because AI in housing directly intersects with fair housing obligations, and algorithmic bias in property valuations or tenant screening can produce discriminatory outcomes at scale. E&O, CGL, Cyber, D&O

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Research Library

Current analysis for AI work, coverage, and governance.

The articles below connect operational AI decisions to the risk, documentation, and insurance questions that show up once the work reaches production.

Regulations Analysis 7 min

AI Agents, Shadow AI, and Insurance Readiness: What Companies Need to Know in 2026

AI agents and shadow AI are creating uninsured liability across enterprises. A comprehensive analysis of how these technologies affect insurance coverage, carrier exclusions, and what companies should do before their next renewal.

March 2026 Read
Regulations Commentary 10 min

The AI Insurance Market Is Splitting in Two

The AI insurance market is bifurcating: companies with documented, governed AI deployments are insurable. Those without are facing exclusions, sublimits, and declining coverage. Here's what's driving the split — and what it means.

March 2026 Read
Regulations Commentary 9 min

The Colorado AI Act Will Matter Through Underwriting, Not Just Compliance

The Colorado AI Act takes effect in 2026. Most preparation focuses on compliance checklists. But the Act's real impact will be felt through underwriting: how carriers price AI risk, what documentation they require, and how that shapes renewal conversations nationwide.

March 2026 Read
Regulations Market Analysis 6 min

Every Company Needs an AI Agent Strategy. Who Insures It?

As AI agents become standard enterprise infrastructure, the gap between what's deployed and what's insured is widening. Analysis of three critical insurance gaps and emerging coverage options.

March 2026 Read
Verticals Broker Briefing 6 min

How Brokers Should Review AI Agent Exposure Before Renewal

A practical guide for insurance brokers: how to assess AI agent exposure in client portfolios, audit policies for AI exclusions, and negotiate better terms at renewal.

March 2026 Read
Regulations Risk Framework 6 min

Security Controls vs. Insurance Readiness for AI Agents

Security controls and insurance readiness are not the same thing for AI agents. Analysis of where they overlap, where they diverge, and how to bridge the documentation gap.

March 2026 Read
Regulations Commentary 8 min

Shadow AI Is Becoming an Insurance Problem, Not Just a Security Problem

Shadow AI is typically framed as a security concern. But the real exposure is on the insurance side: undocumented AI tools create liability that carriers can't see, can't price, and increasingly won't cover. Here's why the framing matters.

March 2026 Read
Tools & Checklists Practical Guide 7 min

Shadow AI Discovery Checklist for Mid-Market Companies

Step-by-step shadow AI discovery checklist for mid-market companies. Department-by-department guide to finding unsanctioned AI tools, classifying risk, and building an insurance-ready inventory.

March 2026 Read
Regulations Commentary 10 min

What Carrier Filings Actually Tell You (That the Headlines Don't)

Most coverage of AI insurance exclusions oversimplifies the story. We've read every major filing — Verisk CG 40 47, Berkley PC 51380, Hamilton's sublimit approach. Here's what the actual form language tells you that the headlines don't.

March 2026 Read
Regulations Risk Framework 7 min

AI Workflow Risk Classification: A Framework for Brokers and Risk Managers

How to categorize enterprise AI deployments by risk level — from internal knowledge queries to autonomous business execution — and what each category means for coverage.

March 2026 Read
Regulations Broker Briefing 7 min

Verisk CG 40 47: What the New AI Exclusions Mean for Your Commercial Clients

A technical briefing on the standardized AI exclusion endorsements now available to carriers, their scope, and practical implications for enterprises using AI in their operations.

March 2026 Read