VELARU GALACTIC EXHIBIT PACK — AI LIABILITY INSURANCE
Jurisdiction: New York (us_ny)
Modality: Text / Chat
Program: Velaru AI Liability Insurance · New York (galactic_insurance_us_ny)
Product ID: insurance:us_ny:bundle:text
Vertical: insurance
Generated: 2026-08-15T08:24:39.750683Z
Authority: New York AI Governance Pack — NAIC Exhibit D — Insurer + Insured Mirror Pack
Deadline: NYDFS AI guidance + Local Law 144 enforcement
Velaru verify: https://velaru-erra.onrender.com/verify

EXHIBIT A — AI INVENTORY
[]

EXHIBIT B — GOVERNANCE FRAMEWORK
{
  "framework": "Velaru Mandate Registry \u2014 AI Liability Insurance",
  "exhibit_authority": "New York AI Governance Pack \u2014 NAIC Exhibit D \u2014 Insurer + Insured Mirror Pack",
  "regulatory_frameworks": [
    "NAIC Model Bulletin",
    "EU AI Act Annex III",
    "Colorado AI Act",
    "NYDFS Circular Letter on AI",
    "NYC Local Law 144",
    "Martin Act"
  ],
  "standards_alignment": [
    "POSS-2",
    "DRP-1",
    "TCB",
    "FRE 707 pre-compliance",
    "ISO 42001"
  ],
  "human_oversight": "underwrite AI-exposed risk",
  "third_party_verification": "https://velaru-erra.onrender.com/verify (operator-independent)",
  "data_lineage": "Hash-chained Ed25519 receipts; optional RFC3161 + external anchor",
  "mirror_trap": "The insurer examining you uses AI they cannot govern \u2014 Exhibit D applies both directions. \u00b7 Local Law 144 requires annual bias audit \u2014 Velaru receipts are continuous audit, not annual snapshot.",
  "chain_integrity": {
    "depth": 1,
    "invariant_holds": true
  }
}

EXHIBIT D — DATA INPUTS & VALIDATION
{
  "data_validation_method": "Cryptographic receipt per AI decision; public verify without trusting deployer, vendor, or Velaru operator",
  "bias_testing_proxy": "Asymmetry score from live chain signals",
  "model_change_control": "Policy lock registry \u2014 criteria hash frozen pre-dispute",
  "logging_retention": "90-day pre-dispute window minimum; permanent verify permalinks",
  "external_validator": "Nisaba LLC / Velaru",
  "validator_independence": "Client-side Ed25519 verify; BYOK tri-receipt optional",
  "headline_stat": "Annex III 5(c): life/health pricing AI = high-risk \u2014 NAIC mirror for US market conduct",
  "global_leaders_addressed": [
    "NAIC",
    "Munich Re",
    "Swiss Re",
    "AmTrust",
    "Counterpart",
    "NYDFS",
    "NYC DCWP",
    "Goldman Sachs"
  ]
}

MIRROR TRAP (regulatory insight)
The insurer examining you uses AI they cannot govern — Exhibit D applies both directions. · Local Law 144 requires annual bias audit — Velaru receipts are continuous audit, not annual snapshot.

NERVE CARDS — WHY GLOBAL LEADERS CARE
[
  {
    "title": "Dual exam weapon",
    "body": "Same Exhibit A\u2013D feeds market conduct AND financial exams \u2014 compounded findings.",
    "source": "vertical"
  },
  {
    "title": "Affirmative vs silent",
    "body": "CG 40 exclusions proliferating \u2014 affirmative AI product requires proof infrastructure.",
    "source": "vertical"
  },
  {
    "title": "Actuarial Step 3",
    "body": "AI liability unpriceable without behavioral dataset \u2014 Velaru asymmetry feed is the missing input.",
    "source": "vertical"
  },
  {
    "title": "[New York] Financial capital",
    "body": "NYDFS regulates insurers AND banks \u2014 same receipt primitive for both books.",
    "source": "jurisdiction"
  },
  {
    "title": "[New York] Hiring audit law",
    "body": "NYC AEDT law is template for other cities \u2014 receipt architecture scales municipally.",
    "source": "jurisdiction"
  },
  {
    "title": "[Text / Chat] Modality hook",
    "body": "Baseline \u2014 all frameworks apply to text decisions.",
    "source": "modality"
  }
]

BOOK SUMMARY: {
  "total_insureds": 0,
  "compliant": 0,
  "grace_period": 0,
  "non_compliant": 0,
  "expired": 0,
  "not_enrolled": 0,
  "compliant_pct": 0.0
}

TAM / EXPOSURE: $50B+ US P&C · AI governance exam on insurer AND insured
INSURANCE LINES: AI liability, E&O, D&O

DISCLAIMER: External validation evidence pack — not legal advice, not filed rate approval.