Editorial standards.
These standards govern everything published on this site. They are public so that readers, the carriers we cite and anyone who might work with us can check the basis on which we operate.
Version 1.1, 1 October 2026. Contact now runs through the form on the get covered page. Section 1 now describes how editorial and commercial work are kept apart in the terms that apply today, section 4 describes the correction practice the corrections log actually follows, and section 7 no longer refers to indicative partner pricing, which has been withdrawn. None of these changes weakens a commitment to readers, so they were made without the comment period in section 8.
1. Independence
No carrier, regulator, vendor, law firm, consultancy or other third party pays for placement, ranking, framing, prominence or inclusion in anything on this site. That covers articles, guides, the coverage audit and every other form of publication.
Editorial decisions are made on editorial grounds. If commercial relationships such as sponsorships, research commissions or partner listings are ever introduced, they will have no say over what is covered, how it is framed, or which products the coverage audit names.
Future Proof Intelligence publishes this site. It also publishes its own AI agent certification methodology, Agent Certified. We write about that methodology the way we write about any other: by what it is, and with its limits stated.
2. What we choose to cover
We cover what matters to small and medium businesses that run AI agents in production or are preparing to. The main tests:
- A carrier, managing general agent, broker or Lloyd's coverholder offers a product open to smaller operators that addresses AI agent liability, with terms and availability we can confirm.
- A legal development, whether a court decision, regulatory guidance or enforcement action, changes the practical exposure of operators who deploy AI agents.
- A market development, such as a new product, a withdrawal, or an expansion or narrowing of cover, changes the options open to those operators.
- A documented incident involving an AI agent has legal or financial consequences that help an operator judge their own exposure.
- A standards or compliance development changes how documented governance relates to whether cover can be written.
We do not report press releases or vendor claims we have not checked against primary sources. The coverage audit names a product only under the inclusion criteria.
3. How we cite
We cite primary sources wherever they exist.
Court decisions by full case name, court or tribunal, and date of decision, with a neutral citation or case number where one exists. We do not claim more for a decision than the judgment supports.
Carrier products by the product name the carrier publishes, with the date. We do not describe terms beyond what the carrier has published.
Legislation and regulation by official designation and article or section number, with the original title where the text is not in English.
Supervisory guidance by issuing authority, official title and date of publication.
Trade publications and research by publication or organisation, title and date. We look for the primary source behind them first.
A search engine summary is not a source, and neither is another page on this site or its sister sites. Where a claim about a named third party cannot be confirmed on that party's own published material, we leave it out.
4. How we handle errors
We correct errors, and we distinguish material from non-material ones.
A material error is one that, left uncorrected, would lead a reader to a false belief about a carrier's product terms, a legal obligation, or the outcome of a documented incident. It is corrected in place and recorded in the corrections log, with the date, the page, what was wrong and what it now says.
A non-material error, such as a typing mistake or a broken link, is corrected in place without a log entry.
If you believe you have found an error, write to the editors.
5. Conflicts of interest
Future Proof Intelligence publishes this site and its sister sites in The Future Proof Standards. It has a commercial interest in the development of the AI agent insurance and certification market. That interest is disclosed here and on the inclusion criteria page, and it does not override the independence commitments in section 1.
Anyone writing for this site discloses any personal financial interest in a carrier, broker or vendor they cover.
6. Right of reply
Any carrier, broker or other organisation named on this site has a right of reply. Write to the editors with "Right of reply" at the start of your message and a reference to the page. We acknowledge receipt within five working days. Replies of factual substance are reflected as corrections or added as clearly labelled response notes.
7. Commercial activity
This site operates on an editorial basis. No paid placement or commercial partner listing appears on any page, and the coverage audit names products free of charge. A paid partner tier for verified institutional participants may be introduced in 2027. If it is, it will be labelled as commercial wherever it appears and will not affect the coverage audit, how cover is described, or the outcome of any editorial assessment. Where it stands is set out on the inclusion criteria page.
8. Versioning
These standards are reviewed each year. Proposed revisions are published for at least thirty days of public comment before adoption.
Across the network
The same standards apply across the sister sites. Their own pages are linked here so consistency can be checked.