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Corrections

A log of material corrections made to anything published on this site. Our Editorial Standards commit us to maintaining it. Readers who believe they have identified an error are invited to write to operators@futureproofintelligence.com.

The Editors Last updated 15 August 2026

How we handle corrections

A material correction is one that changes the substance of a claim: a figure, a date, a named party, a legal effect, or the availability of a product. Material corrections are logged on this page with the date, the page affected, what was wrong, and what it now says. The original wording is quoted so the record is auditable.

A non-material correction is a typographical fix, a broken link, or a formatting change that does not alter meaning. Those are made silently and are not logged here.

We do not delete pages to resolve errors. We correct them in place and record the correction.

Log

15 August 2026: editorial review of third-party claims

A full review of every claim on this site naming a third-party insurer, carrier, underwriter, standards body or regulator. Any claim that could not be verified against the named organisation's own published material was removed rather than reworded. The following material corrections were made.

  • Armilla coverage limits. Multiple pages stated that Armilla offered limits of up to USD 25 million, in several cases attributing that figure to a January 2026 funding round. Armilla publishes no standard limits. Those figures have been removed. Armilla's status as a Lloyd's coverholder and managing general agent, and its capacity providers Chaucer Group, Axis Capital and Convex, are published by Armilla and have been retained.
  • Armilla funding. Two pages described a USD 25 million round raised from Chaucer and Axis Capital, one of them calling it a Series A. Chaucer and Axis Capital are Armilla's insurance capacity providers, not investors in that round, and Armilla publishes no funding figure. The claim has been removed.
  • Testudo capacity and underwriters. Several pages stated capacity of USD 9.25 million per insured, named Apollo, Atrium and QBE as underwriters, and dated the launch to January 2026. Testudo publishes none of those figures and states that its cover is underwritten at Lloyd's, with Testudo UK Limited acting as an Appointed Representative of Pro MGA Solutions Ltd, regulated by the Financial Conduct Authority. The unverified figures have been removed and replaced with what Testudo publishes.
  • HSB pricing. Two pages stated pricing of approximately USD 500 to 2,500 per year for limits of USD 250,000 to 1,000,000. HSB disclosed no pricing, deductibles or limits at launch. The figures have been removed. The coverage categories, the 18 March 2026 launch date, the distribution model through partner carriers, and the survey figures of 74 per cent and 91 per cent are stated in HSB's own launch release and have been retained.
  • HSB product rating. Our review of the HSB product carried a machine-readable star rating of 4 out of 5. We are not a licensed insurance intermediary and it is not appropriate for us to publish a structured score of a regulated financial product. The rating has been deleted. The analysis of what the product covers and does not cover remains, because that is the work this site exists to do.
  • HSB illustrative limits and deductibles. One section presented ranges for limits, deductibles and premium described in an editorial note as illustrative rather than actual. Illustrative figures attached to a named regulated product invite exactly the misreading the note was trying to prevent. They have been removed.
  • ElevenLabs AIUC-1 policy. Several pages stated the policy was underwritten with Munich Re reinsurance participation. AIUC and ElevenLabs describe the coverage as placed through Lloyd's of London and name no reinsurer. The Munich Re attribution has been removed.
  • Munich Re aiSure availability date. Several pages stated the product had been available since 2018 and one added that it extended to large language model coverage in 2019. Munich Re publishes neither date. Both have been removed. The description of aiSure as a performance guarantee with parametric-like settlement is Munich Re's own and has been retained.
  • AIUC name. AIUC was expanded as the AI Underwriting Company. Its registered name is the Artificial Intelligence Underwriting Company. Corrected throughout. The link to aiuc.co on the homepage did not resolve and now points to aiuc.com.
  • Agensure. Our entry stated that Agensure referenced EU AI Act Article 50 and that insurance was on a Year 2 roadmap through an MGA structure. Agensure maps its certificate to Article 15 on accuracy, robustness and cybersecurity, and publishes nothing about insurance or a roadmap. Both claims have been corrected. The Agensure Risk Score, scaled 1 to 100, and the Agent Deployment Readiness certificate are as published.
  • Klaimee and Mount carrier status. Our entries described Klaimee as possibly a licensed carrier or MGA and Mount as the first AI agent liability carrier. Neither company publishes its underwriting structure or its underwriter. Both entries now say so rather than estimating. Mount's description of itself as an AI agent insurance carrier is presented as Mount's own claim.
  • Chubb AI exclusion. A section described Chubb as carving out systemic AI events while retaining cover for isolated incidents. The single source supporting it is no longer online and the wording could not be verified against Chubb's own material. The section has been removed.
  • Market pricing ranges. Homepage and article answers gave euro and dollar ranges for cyber, technology errors and omissions, and standalone AI liability premiums. No carrier in this market publishes a rate card and those ranges were estimates. They have been replaced with a plain statement that pricing comes from a broker submission.
  • Unresolved verification markers. Seventeen editorial placeholders reading "VERIFY" were live in the published body copy of our European market reference page. Each has been resolved: the claim beside it was either confirmed against the provider's own material or removed.

15 August 2026: second pass on Munich Re, HSB and AIUC

A later review the same day found a further set of claims about named third parties. These corrections supersede anything above that conflicts with them.

  • Munich Re aiSure described as parametric. The entry above retained the phrase performance guarantee with parametric-like settlement on the basis that it was Munich Re's own. It is not. Munich Re does not use the word parametric for aiSure anywhere it publishes. What Munich Re and Mosaic Insurance publish is that aiSure is a performance guarantee for AI systems settling on measurable performance data, with Munich Re technical due diligence required before cover is written. The word has been removed from every description of aiSure and of Munich Re across 24 pages, including the homepage, the coverage audit tool and the SME product comparison. It remains where it describes the insurance model generally, which is ordinary industry vocabulary and accurate.
  • Munich Re Special Enterprise Risks. Three pages placed aiSure in a Munich Re Special Enterprise Risks division and one said the product is generally placed through it. No such divisional attribution is published. All have been removed.
  • HSB as first in market. Five statements described the HSB product as the first tier-one reinsurer-backed SME AI liability cover, the first purpose-built product of its kind, or the first mass-market SME AI liability product. HSB's own launch release makes no first-in-market claim of any kind. Every such claim has been deleted. The 18 March 2026 launch date, the coverage categories and the distribution model through partner carriers are HSB's own and are retained.
  • AIUC name, second pass. Seven further instances expanded AIUC as the AI Underwriting Consortium or as a bare AI Underwriting Company. The company is the Artificial Intelligence Underwriting Company. Corrected throughout.
  • Munich Re participation in AIUC-1. The homepage, the get covered page and one article stated that AIUC-1 was developed with Munich Re, or with Munich Re participation, and one presented that as a case file datum. AIUC publishes AIUC-1 as its own standard and names no insurer or reinsurer for the ElevenLabs policy written against it. Every attribution has been removed.
  • ElevenLabs policy date. The policy was dated 11 February 2026 in two places. Both aiuc.com and elevenlabs.io date the announcement 12 February 2026. Corrected.
  • Hamilton Insurance Group. Our AI exclusion article described a Hamilton generative AI exclusion for professional liability, quoted its trigger wording, and listed the generative AI tools it names. Other trade reporting describes Hamilton's position instead as a sublimit inside errors and omissions or cyber cover, which for a buyer is the opposite outcome. Hamilton publishes nothing about AI underwriting on its own site, so neither version can be checked at the carrier. The quoted wording and the line-of-business characterisation have been removed and the page now says why. The coverage audit tool no longer names Hamilton alongside AIG.

17 August 2026: London market clause numbers, and the sourcing of the ISO form numbers

The Lloyd's Market Association publishes part of its clause library without a login, so the clause numbers this site cited could be read rather than assumed. Two did not survive. Both were the same shape of error: a real clause number issued by a real body, printed here with a subject that is not its own. That is harder to catch than an invented name, because the number checks out the moment anyone looks it up and only the meaning is wrong.

  • LMA5566 described as an AI exclusion. The pre-deployment checklist and the broker conversation guide both said the Lloyd's Market Association introduced AI exclusion language, LMA5566, in 2023, and both carried it in their reference lists, one of them as LMA5566: Artificial Intelligence Exclusion (2023), with an invented description of the losses it addresses. LMA5566 is a state-backed cyber war clause. The current version carries its own title on its face: War and Cyber Operation Exclusion No. 3, for use on commercial cyber insurance contracts, dated 18 January 2023. It has nothing to do with AI, and the association's own published position is close to the opposite of what we printed: it treats AI as already caught by the existing definition of a computer system and describes AI-specific clause work as still ahead. Every instance has been deleted and the two reference entries removed. What both pages actually needed to say, and now say, is that AI-related exclusions and carve-outs are appearing in technology professional indemnity and cyber renewals, which is observable and was never the part that depended on the clause number. Verified at lmalloyds.com.
  • An LMA5400 series of AI model exclusion clauses. A reference on the wrong-advice liability article cited Lloyd's Market Association AI Model Exclusion Clauses LMA5400 series (2024 to 2026). No such series exists. LMA5400 to LMA5403 are model cyber clauses for classes of business including Difference in Conditions, Engineering, Nuclear, Power Generation, Cargo, Energy, Fine Art and Marine, and the association publishes no AI clause series at all. The date range was invented alongside the subject. The citation has been removed rather than renumbered. Verified at lmalloyds.com.
  • The ISO CG form numbers now show their sourcing. This site cites ISO endorsements CG 40 47, CG 40 48 and CG 35 08, and one article is built on them. We tried again on 17 August 2026 to confirm those form numbers and their January 2026 effective date against the filed forms, at ISO, at Verisk and through state filing portals, and could not. They are attested by trade and law-firm analysis only. The numbers have not been removed, because the analysis of what these endorsements do is useful and the numbers are how a reader finds the endorsement on a renewal schedule. Instead the sourcing is now stated wherever they appear, including in the machine-readable file this site serves to AI assistants: reported by named industry sources, not confirmed against the filed forms. One reference also carried a 2023 edition year for CG 40 47, which contradicts the January 2026 date used elsewhere on this site; that year has been removed rather than picked between. A related caution for anyone checking this: a search engine will return a confident answer confirming the January 2026 date, assembled from a cluster of pages that includes this one. Our own page reflected back at us is not verification, and we do not treat it as such.

Standing note on schema

Structured data describing a third party's regulated insurance product as something we rate, or describing an insurance product as carrying the Future Proof Intelligence brand, has been removed from this site. We publish analysis and reference material. We do not underwrite, broker, rate or sell insurance, and our machine-readable data now says the same thing our footer does.