Open Exposures, coverage-gap detection

What an exposure is

An exposure is a gap between the insurance coverage you actually hold and the coverage a carrier program, or your own service mix, requires. Verinode reads your insurance policies alongside your active carrier-program memberships and your service mix, and surfaces the difference as a plain-language gap: what you have on file today, what is required, and who requires it.

Exposures are not something you create or maintain in Verinode. There is no "add exposure" button and nothing to mark resolved by hand. Verinode checks your current policies against current requirements every time you open Compliance, so the list is always a live read of where you stand, not a history log. Close the gap in the real world, for example bind the missing policy or bring your EMR back under the gate, and the exposure drops off the list on its own the next time it is checked. This is why the list can also be empty: no gap on file means nothing to show, not that nothing has been checked.

Where to find it

Open Compliance from the sidebar (iq.verinode.ai/compliance). Three things on that page connect to exposures:

• The Compliance Posture hero panel at the top of the page. When you have a critical exposure open, its sub-line reads "N critical exposure(s) open, needs attention." and the Critical Open stat beside the shield score shows the count with "Needs Action Now" underneath it.
• The Open Exposures tile in the Explore row.
• Any exposure that also ranks among your Most recent compliance records, shown as a tile labeled "Exposure."

Clicking any of these opens the same Exposures list in a slide-over, and clicking a row in that list opens the exposure's own detail view.

The Open Exposures tile

What you see. The tile is labeled "Open Exposures." The number is your total open-exposure count, every gap Verinode currently has on file, regardless of how serious each one is. Below the number:

• "All covered" when the count is zero.
• "N breaching" when at least one exposure is severe enough to be flagged critical.

The tile's preview is a dot grid: one dot per open exposure, with the critical ones lit in a different tone so the count and the severity mix both read at a glance. The tile's accent color follows the same logic: copper when at least one exposure is critical, amber when there are open exposures but none critical, green when the count is zero.

What a click does. Clicking the tile opens the Exposures tab of the Compliance slide-over, described below.

The Exposures list

The slide-over that opens from the tile (or from an "Exposure" tile in Most recent) has a row of tabs across the top: Findings, Exposures, Audits, Regulations, Benchmarks. Clicking the Exposures tab lists every open exposure as a row. Each row shows:

• Title, for example "Missing workers comp" or "EMR 1.31, commercial gate breached."
• A subtitle, either who requires the coverage (e.g. "Required by Liberty Mutual Preferred") or, if nothing requires it directly, the same status text shown on the right.
• A status label on the right, color-coded: red and bold for Breaching, amber for Exposed, and plain for Drift. This is the same three-word vocabulary you will see on the Compliance hero and on every exposure's detail view.

Clicking a row opens that exposure's detail view.

The exposure detail view

Opening an exposure gives you its own detail page with a hero, a details panel, and (when applicable) two more sections.

Hero. The eyebrow reads "Exposure," next to a pill showing the exposure's stance: Drift, Exposed, or Breaching (exposures never land in the "Hedged" or "Watching" states that audits and regulations can use, since an exposure by definition only exists while a gap is open). The title is the exposure's name. The subtitle underneath is the specific next step Verinode recommends for closing it, not a generic label, the same text that appears again as Remediation further down. Four stats sit under the hero:

• Severity, the raw info / warning / critical rating behind the stance pill.
• Current, what is on file today, for example "Not on file," an EMR value like "1.31," or "Endorsement not confirmed."
• Required, what the gap needs to close, for example "Active policy" or a rate threshold like "<1.25 (commercial); <1.0 (preferred)."
• Required by, the program or service line driving the requirement. If more than one source requires it, this reads as a count, for example "2 sources," rather than listing every name.

A Quick Survey button sits in the hero actions if you want to log a fast note about how you are handling the gap.

Exposure Overview section. This repeats and expands the hero fields in full:

• Kind, the type of gap in plain words: a missing required policy, an EMR commercial-gate breach, or a coverage type missing an endorsement.
• Description, the full sentence explaining the gap, for example "Liberty Mutual Preferred requires an active workers comp policy. No active policy of this type is on file."
• Current and Required again, unabbreviated.
• Required by, listed out in full this time (not collapsed to a count).
• Remediation, the concrete next action, for example "Contact broker to bind a workers comp policy and upload the COI," or "Request a loss run and work with the insurance advisor on the 12-month pull-down plan."

Open Tips. Appears only when Verinode has additional context tips tied to this exposure. Each tip shows a headline, the reasoning behind it, and a suggested action.

Findings. Appears only when this exposure has produced a linked decision in your decision workspace. If it has, the decision's title shows here, along with its dollar cost of inaction per month when one has been calculated, so you can see the exposure not just as a compliance gap but as a decision waiting on your desk. See the decision workspace for how these linked decisions work platform-wide.

The three kinds of exposure Verinode checks for

1. Missing required policy. The flagship carrier programs Verinode currently recognizes, Liberty Mutual Preferred, Travelers ASP, State Farm PSP, Allstate DRP, and Servpro, each carry a known set of required policy types (general liability and workers comp for most of them, with commercial auto added for Servpro). If you are enrolled in one of these programs (an active membership on file) and you do not hold an active, expiring-soon, or pending-renewal policy of a required type, Verinode raises a "Missing [policy type]" exposure. This is always rated critical, since it means active program work is continuing without coverage the program itself requires.

2. EMR commercial gate. Your Experience Modification Rate (EMR) is read from your most current workers comp policy. If that EMR is 1.25 or higher, Verinode raises a critical exposure, because most large-carrier programs disqualify an operator at or above that number. The exposure spells out both thresholds: under 1.25 to stay in a standard commercial program, under 1.0 to be considered for preferred terms. The recommended remediation is to pull a loss run and work with your insurance advisor on a pull-down plan, EMR typically takes a couple of policy years of clean claims history to trend back down.

3. Coverage type missing an endorsement. This one is a heuristic, not a hard reading of your policy language. If your service mix includes mold or biohazard work and you hold an active general liability policy, Verinode flags that restoration GL policies for this kind of work typically carry a pollution endorsement, and that your policy has not yet been confirmed to have one. This is rated informational (Drift), not critical, because Verinode has not parsed your actual coverage document for endorsement wording, it is a prompt to check with your broker, not a finding of an actual gap. If the underlying general liability policy is missing entirely and a program requires it, that is caught by rule 1 instead.

How to use it

1. 1Open Compliance from the sidebar and glance at the Open Exposures tile. Copper or amber means something needs a look; green means your coverage currently matches every requirement Verinode knows about.
2. 2Click the tile to open the Exposures list and scan the status labels: work Breaching rows first, they mean active program work is running without required coverage right now.
3. 3Open a Breaching or Exposed row, read the Current vs Required stats, and follow the Remediation line, it names the specific next step (bind a policy, request a loss run, confirm an endorsement).
4. 4If the exposure has a linked decision in Findings, use that to see the dollar cost of leaving it open and to work it through your decision workspace.
5. 5Once you have bound the policy, brought EMR down, or confirmed the endorsement with your broker, forward the updated document. The exposure disappears from the list on its own the next time Verinode reads your coverage.

Data sources

Related articles

• Compliance section overview
• Audits, scheduling, results, and findings
• The Take Action row on Compliance
• The decision workspace
• Forwarding documents
• Connecting your data