Research

Original work on agent behaviour, delegated authority, underwriting evidence, and the insurance systems an agent-run economy will need.

What the 2026 AI Exclusions Actually Say

Coverage analysisAI exclusionsUnderwriting evidence

Three ISO endorsements now exclude generative AI from commercial general liability. What the forms say, where the carrier wording goes further, and which widely repeated claims about them do not survive a primary source.

The Tail Risk Static Insurance Can't See

Research noteAgent authorityContinuous underwriting

Why agent-native companies can change faster than annual insurance snapshots—and the evidence loop continuous underwriting may require.