{"book_asymmetry_distribution":[],"carrier_id":null,"cross_platform_entries":[],"disclaimer":"Anonymized behavioral signals \u2014 not filed loss development. For actuarial correlation study with carrier loss triangles.","entry_count":0,"generated_at":"2026-08-11T00:19:51.877607Z","insurance_lines":["EPL","D&O","Cyber"],"schema_version":"velaru-galactic-actuarial-1.0","tam_note":"$4.2B+ US EPL premium \u00b7 AI hiring exposure","vertical_key":"hiring","vertical_name":"AI Workforce / Hiring"}