The Open Exposures tile

What it is

The Open Exposures tile is a single glance-and-go read on how much insurance and program coverage risk you are currently carrying. An exposure is a gap between the coverage you actually hold on file and the coverage a carrier program, or your own service mix, requires. Verinode does not ask you to log exposures, close tickets, or maintain a list. It checks your policies, your active program memberships, and your service mix every time you open the page, and shows you exactly what does not line up right now.

That live-check design is the reason the tile reads as a dot grid instead of a chart of history. There is no trend to show, only a current state: this many gaps are open today, and this many of them are severe enough to need attention now.

Where to find it

Open Compliance from the sidebar. It sits under the Compliance section heading, alongside Certifications and Safety, at iq.verinode.ai/compliance. (If you have an old /risk link saved, it still works, it redirects straight to the Exposures tab described below.)

The Open Exposures tile lives in the Explore row, the row of metric tiles below the hero panel and the Take Action row. It is one of seven tiles in that row, alongside Shield Score, Cross-Domain Stacks, Next Audit, Regulations, Regulatory Autofeed, and Specialist Activity.

What the tile shows

Label. "Open Exposures."

The number. The total count of exposures currently open, every coverage gap Verinode has on file right now, regardless of how serious each one is. This is not a running total or a log, it is a live count: fix the underlying gap (bind the missing policy, bring your EMR back under the gate) and the number drops the next time the page checks, with nothing to mark resolved by hand.

The sub-line. Read this carefully, it answers a narrower question than the headline number does:

• "All covered" when zero of your open exposures are rated critical. Note that this can appear even when the count above it is not zero, if every open gap is a lower-severity one, the sub-line still reads "All covered" because none of them are breaching.
• "N breaching" when at least one open exposure is rated critical.

The accent color. The whole tile is tinted by the same logic:

• Green when the count is zero, nothing open.
• Amber when exposures are open but none are critical.
• Copper when at least one exposure is critical.

The dot grid. Below the number sits a preview of small dots, one per open exposure, arranged left to right and wrapping into new rows as the count grows. Dots tied to a critical exposure light up solid Ember Red. Every other dot sits in a faint tint of the tile's own accent color, present but visually receding, so the breaching ones are the first thing your eye lands on. The grid draws at most 28 dots; past that point it stops adding rows, but the headline number above it always stays exact, it is never capped.

When the count is zero, the tile shows no preview graphic at all, not even an empty placeholder line. A blank preview area under a green tile and a "0" is itself the empty state: nothing to check, nothing to show.

What counts as an open exposure

Verinode currently checks for three kinds of gap, each carrying its own severity:

1. Missing required policy. You are enrolled in an active carrier program (Liberty Mutual Preferred, Travelers ASP, State Farm PSP, Allstate DRP, or Servpro), and that program requires a policy type, typically general liability and workers' comp, with commercial auto added for Servpro, that you do not currently hold as active, expiring soon, or pending renewal. Always rated critical: active program work is continuing without coverage the program itself requires.
2. EMR commercial gate. Your Experience Modification Rate, read from your most recent workers' comp policy, has climbed to 1.25 or higher. Most large-carrier programs disqualify an operator at or above that line; the exposure spells out both thresholds, under 1.25 to stay in a standard commercial program and under 1.0 to be considered for preferred terms. Always rated critical.
3. Coverage type missing an endorsement. Your service mix includes mold or biohazard work, you hold an active general liability policy, but Verinode has not been able to confirm the pollution endorsement that kind of work typically needs. This one is a heuristic, a prompt to check with your broker, not a confirmed gap, since Verinode has not parsed your actual policy wording. Rated informational, not critical.

Each open exposure carries a status word built from its severity, the same three-word vocabulary used across every part of Compliance: critical shows as Breaching, informational shows as Drift. A middle tier, Exposed, exists in that shared vocabulary for audits and regulations, but none of today's three exposure checks currently produce it.

What a click does

Clicking the tile opens the Exposures tab of the Compliance card slider, the same slider you would reach by clicking an exposure tile in the Most recent row further down the page. That tab lists every open exposure as a row: its title (for example "Missing workers comp" or an EMR value with the commercial-gate note), a subtitle naming who requires the coverage when that applies, and its status word on the right.

Click any row to open that exposure's own detail view: a hero with Severity, Current (what is on file today), Required (what closes the gap), and Required by, followed by a full Exposure Overview with the Kind, Description, and a specific Remediation step Verinode recommends, such as contacting your broker to bind a policy or requesting a loss run to start an EMR pull-down plan. If that exposure has produced a linked entry in your decision workspace, it shows there too, alongside its dollar cost of inaction when one has been calculated. See the decision workspace for how those linked decisions work.

Exposure rows never carry a due-date badge the way audit or regulation rows can, an exposure does not have a scheduled date, it either exists right now or it does not.

Where else this count shows up

The same critical-exposure count drives the Critical Open stat next to the Shield Score in the Compliance hero panel at the top of the page, so you do not have to scroll to the Explore row to know whether something needs action today. When that count is above zero, the hero's summary line also calls out how many critical exposures are open. Individual exposures can additionally surface as their own tiles in the Most recent row, labeled "Exposure," when they rank among your newest or most severe compliance records.

Empty states

• Tile, zero open exposures: value "0," sub-line "All covered," green accent, no dot-grid preview drawn.
• Exposures tab, nothing to list: "No exposures detected, coverage matches active program requirements." That is a literal read of your current state, not a placeholder: your policies on file satisfy every requirement Verinode currently knows about for the programs you belong to and the service lines you run.

How to use it

1. 1Glance at the tile's color before anything else. Copper means something is breaching right now and needs a look today; amber means gaps are open but none are critical yet; green means nothing is flagged.
2. 2If the sub-line reads "N breaching," click the tile and work those rows first, the underlying gap means active program work is running without coverage the program requires.
3. 3Open a Breaching row, read Current against Required, and follow the Remediation step, it names the concrete next action rather than leaving you to guess.
4. 4If the tile is green but you have not yet uploaded your certificates of insurance or confirmed your program memberships, treat that as unverified rather than clean, and forward your current COIs so Verinode has something to check.

Data sources