The Exposures tab list

What the Exposures tab shows

Exposures are gaps between the coverage and standing you actually hold today and the coverage or standing a program, carrier, or regulator requires of you. Verinode does not wait for an audit to tell you this. It reads your insurance policies, your active carrier program memberships, and your service mix, and it computes the gaps directly, the same way a broker or a fractional COO would sit down with your declarations pages and flag what is thin before it becomes a denied claim or a suspended program.

The Exposures tab is the ember-red accented tab inside the Compliance card, one of five tabs you swipe or click between: Findings, Exposures, Audits, Regulations, and Benchmarks. It is a plain list, not a form, not a dashboard, just the exposures Verinode has found, sorted by how it found them, with the worst ones easiest to spot by color.

Nothing in this list is invented or estimated for effect. Every exposure has a concrete required state and a concrete current state behind it, and you decide what to do about the gap, Verinode surfaces it and suggests a remediation, it never closes the gap for you.

Where to find it

Open Compliance from the sidebar. The Compliance card sits at the top of the page with five tabs across it. Click or swipe to Exposures, the second tab, marked with an ember-red accent.

If you have an old link or bookmark to /risk, it forwards straight into the Compliance page with the Exposures tab already selected, so nothing you had saved is broken.

The five tabs, and where Exposures sits

The Compliance card groups everything about your regulatory and coverage posture into one swipeable surface:

• Findings, copper accent, first tab. Compliance-specific decisions Verinode has raised, plus any related compliance workstreams in progress.
• Exposures, ember-red accent, this tab. The coverage-gap list described below.
• Audits, violet accent. Scheduled, in-progress, and completed audit events, with a prompt to upload an audit notice if none are on file.
• Regulations, steel-blue accent. Regulatory changes that apply to your state and service mix, including ones Verinode's weekly regulatory scan picked up automatically.
• Benchmarks, teal accent. Your compliance shield score and audit pass rate held up against peer operators and, where peer data is not yet available, against published research benchmarks.

Exposures is deliberately narrow: it only ever shows coverage-and-program gaps. Audit history lives on the Audits tab, upcoming rule changes live on Regulations, and how your posture compares to peers lives on Benchmarks. If you are looking for a specific audit result or a new state law instead of a coverage gap, that is a different tab, not a missing row here.

What creates an exposure

Exposures are not something you create, upload, or fill in. They are derived, live, every time the page loads, from three sources: your insurance policies, your active carrier program memberships, and your service mix. Verinode currently detects three kinds of gap:

• Missing required policy. A carrier program you are actively enrolled in requires a specific policy type, for example general liability or workers' compensation, and no active policy of that type is on file. The row's title reads something like "Missing general liability," and its "Required by" line names the program that requires it.
• EMR commercial gate. Your workers' compensation experience modification rate (EMR) has crossed the threshold that most large commercial carrier programs use as a hard cutoff for program eligibility. This shows up only when a workers' comp policy with an EMR value is on file.
• Coverage type question mark. You run a service line, mold or biohazard remediation, that typically needs a specific policy endorsement, and Verinode has not been able to confirm from your policy notes that the endorsement is in place. This one is a heuristic flag, not a certainty, it exists so you ask your broker the question, not so you assume the worst.

Because this list is computed rather than stored, it changes the moment your underlying data changes. Add or update a policy, close out or drop a program membership, and the exposures on this tab move with it the next time you open the tab.

Reading a row

Each row in the Exposures list is a button. Click one to open its detail view. On the row itself:

• Title, the name of the gap, for example "Missing workers comp" or an EMR figure with "commercial gate breached."
• Subtitle, directly under the title, in small muted text. Where the gap applies to specific programs, it reads "Required by" followed by the program name or names. If nothing requires it by name, the subtitle is blank.
• Status label, right-aligned. One of three words: Breaching, Exposed, or Drift. Breaching renders in red and marks the most severe exposures, ones a carrier program requires today and you do not have. Exposed renders in amber and marks gaps below a required threshold on a program you are enrolled in. Drift renders in plain muted text and marks a softer, get-ahead-of-it gap, like the coverage-endorsement question mark, that has not yet been tested by an audit or a claim.

There is no manual sort or filter control on this tab. The list simply shows every exposure Verinode currently computes for your operator, in the order it detected them.

Opening an exposure

Clicking a row opens its detail view in place, the same card cross-fades from the list to the drilled-in record. Inside, you get:

• A stance pill next to the exposure kind, one of Breaching, Exposed, or Drift, this time paired with a short plain-language read: what closing the gap gets you, and what staying exposed costs if a carrier or auditor finds it first.
• Four hero figures: Severity (the raw severity Verinode assigned), Current (what you actually hold today), Required (the state a program or carrier demands), and Required by (the program or programs driving the requirement, or the count of sources if there is more than one).
• An Exposure Overview section with the exposure kind, a full description of the gap in plain language, the current and required state again in full, the "Required by" list, and, when Verinode has one, a specific Remediation action, concretely what to do next (call your broker, request a loss run, upload a declarations page).
• Open Tips, when any exist, short compliance nudges tied to this exposure from Verinode's specialist agents.
• Findings, when any linked decisions exist, each with its own monthly cost of inaction attached in dollars where Verinode has one.
• A peer comparison you can switch between National and State scope, showing your compliance shield score and audit pass rate against peer operators where enough similarly sized operators are contributing data, and against published industry research otherwise.
• A survey button to log a quick read on this exposure back to Verinode.

The empty state

When Verinode finds no gaps between your held coverage and your active program requirements, the tab does not sit blank. It shows:

No exposures detected, coverage matches active program requirements.

That is a genuinely good state, it means every program you are actively enrolled in has the policy types it requires on file, your EMR is under the commercial gate, and no service-line endorsement question is open. It is not a sign the tab is broken or that Verinode has stopped checking. The list re-derives on every load, so a new gap (a lapsed policy, a rising EMR, a new program enrollment with its own requirements) appears here as soon as it exists.

1. 1Open Compliance from the sidebar and select the Exposures tab.
2. 2Scan the status labels first: work any Breaching row before Exposed, and treat Drift rows as a get-ahead-of-it list for your next broker call.
3. 3Click a row to open its detail view and read the Required and Current fields side by side, that gap is the whole story.
4. 4Follow the Remediation line where one is given, it names the concrete next step (bind a policy, request a loss run, confirm an endorsement).
5. 5Once the gap is closed in your actual insurance or program records, reload the tab, the row clears itself, there is nothing to mark done manually.

Related reading

• Findings tab
• Audits tab
• Regulations tab
• Compliance benchmarks
• How benchmarks work
• Acting on decisions
• Connecting your data