These standards govern every piece of content published on this site. They are published openly so that readers, cited carriers, and potential partners can verify the basis on which we operate. Version 1.0, dated 24 April 2026.
No carrier, regulator, vendor, law firm, consultancy, or other third party pays for placement, ranking, framing, prominence, or inclusion in any content on this site. This applies to articles, guides, the Coverage Audit tool, the carrier network section, and any other form of publication.
Editorial decisions are made by editorial staff. Commercial relationships (sponsorships, research commissions, partner listings) are handled by a separate function and have no influence over what is covered, how it is framed, or which carriers are recommended in our tools. The two functions operate on separate budgets and separate decision chains.
Future Proof Intelligence is the publisher of this site. FP is also building its own AI agent certification methodology, published at agentcertified.eu/methodology-v2.html. The certification arm and the editorial arm operate independently.
We cover matters that carry genuine significance for SME operators who are running AI agents in production or are preparing to do so. The primary criteria are:
We do not cover press releases or vendor claims that have not been verified against primary sources. We do not recommend carriers in the Coverage Audit tool unless they are also independently tracked in the Agent Insured Carrier Comparison Matrix.
We cite primary sources wherever they exist.
Court decisions. Cited by full case name, tribunal or court, and date of decision. Where a neutral citation or case number is available, it is included. We do not characterise the significance of a decision beyond what the judgment text supports.
Carrier products. Cited by the official product name as stated in the carrier's published documentation, with date of publication. We do not characterise coverage terms beyond what the carrier has published.
Legislation and regulation. Cited by official designation and article or section number. Where the legislation is in a language other than English, we note the official title in the original language.
Supervisory guidance. Cited by the issuing authority, the official title, and the publication date.
Trade publications and research reports. Named with the publication or organisation name, the title, and the publication date. We seek primary sources where they exist.
We correct errors. The classification and handling of corrections follows the distinction between material and non-material errors.
A material error is one that, if left uncorrected, would cause a reader to hold a false belief about a carrier's product terms, a legal obligation, or the outcome of a documented incident. Material errors are corrected with a dated correction note at the top of the affected page. The original text is struck through so that the change is visible.
A non-material error is corrected in place, with a footnote noting the correction date.
A log of all material corrections is maintained at /corrections.html. Readers who believe they have identified an error are invited to write to operators@futureproofintelligence.com.
Future Proof Intelligence is the publisher of this site and of the four sister publications in the Authority Stack. FP has a commercial interest in the development of the AI agent insurance and certification market. These interests are disclosed here and on the Partners page. They do not affect the editorial independence commitments stated in Section 1.
Editorial staff are required to disclose any personal financial interest in a carrier, broker, or vendor covered in content they produce.
Any carrier, broker, or other organisation named in content published on this site has a right of reply. A reply request should be sent to operators@futureproofintelligence.com with the subject line "Right of Reply" and a reference to the specific content. We will acknowledge receipt within five working days.
Replies that are factually substantive will be incorporated as updates or appended as clearly labelled response notes.
In 2026, this site operates on an editorial-only basis. No paid placements or commercial partner listings appear on any page. Carrier coverage and tool recommendations are editorial and free of charge.
We anticipate introducing a paid Partners tier in 2027 for verified institutional participants. Paid partnership will not affect carrier recommendations in the Coverage Audit tool, coverage framing, or the outcome of any editorial assessment. All paid placements will be visibly labelled as commercial. The structure and indicative pricing of the 2027 programme are set out on the Partners page.
These standards are version 1.0, dated 24 April 2026. They will be reviewed annually. Proposed revisions will be published for a minimum 30-day public comment period before adoption.
The same editorial standards apply across all five publications in the Future Proof Authority Stack. Readers can verify consistency by reviewing the editorial-standards page on each sister site.