Short answer
Distinguish default tools, customer-added permissions and provider controls. Explain what the provider can observe or restrict rather than claiming responsibility ends with customer configuration.
An illustrative example
A customer enables a third-party tool in a hosted agent.
This is a hypothetical situation, not a real customer outcome or a coverage determination.
Three facts to prepare
- Default permissions
- Customer extensions
- Provider safeguards
Use a brief, accurate summary. Separate confirmed facts from assumptions; keep passwords, identity numbers, private customer records and confidential documents out of an initial marketplace request.
A question to bring to the right professional
How should configurable downstream actions be represented in insured services?
An agent's important boundary is what it can actually do, for whom and under whose authority. Drafting, sending, editing, deploying and transferring funds should be described separately. Use redacted evidence of current controls and identify limits; do not represent a planned safeguard as implemented.
Sources and scope
- NIST: AI Risk Management Framework
A voluntary framework for organizing AI risk. It is not an insurance contract, certification or determination of legal compliance.
- NAIC: cybersecurity and insurance
General commercial cyber context; the NAIC describes cyber policies as customized. This source does not decide coverage for an AI scenario.
Sources supply the stated background, not a determination about the illustrative case. The example, checklist and discussion prompt are LunarQuote educational material. Source links checked October 5, 2026.
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