Short answer
List what each tool can read, change, send or execute and which accounts it can access. Capability descriptions are more useful than a model name alone.
An illustrative example
A sales agent reads leads and sends messages.
This is a hypothetical situation, not a real customer outcome or a coverage determination.
Three facts to prepare
- Tool actions
- Accessible accounts
- Approval boundaries
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
Does the insured service include every production action listed here?
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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