How this is produced, and what would have to be true for it to be wrong

Source hierarchy

Sources are not equal, and pretending otherwise is how insurance content goes wrong. A claim is carried by the highest tier that actually supports it. A lower tier may explain a higher one. It may never override it.

Every source in the registry records its tier as an authority level, whether it is primary or secondary, its jurisdiction, its publication and effective dates, the date it was last checked, and the exact claims it supports. That last field is the important one: a source record lists what it carries, and the page shows that list underWhat this source supports. If a sentence needs a claim that is not on that list, the sentence is wrong or the source is wrong, and both are visible.

Author and reviewer

Drafting and review are separate functions performed by different people, and both are named on every page.

• The author researches the question, finds the sources, maps each material claim to the source that carries it, and writes the page. The author owns the citation mapping and the accuracy of the quotation.
• The licensed reviewer checks the insurance substance: whether the terminology is right, whether the limits are stated honestly, whether the confidence status is justified, and whether anything on the page reads as individualized advice or as a coverage determination.

Review is an editorial function. It does not create a broker relationship with any reader, and it does not convert general information into advice.

Update cadence

Every source records its own update cadence, because a statute and a consumer guide age very differently. A source that passes its review window is flagged as stale on every page that cites it, in the source ledger, and on the source's own record. The flag is automatic and it is not suppressible: a page cannot look fresh while resting on a source nobody has re-checked.

Time-sensitive answers, which is most of them, carry both an effective date and a last-reviewed date. The two are different questions: when the answer became true, and when a person last confirmed it still is.

Corrections

Anyone can report an error from any page, by email, with no account and no form that captures anything. A report is checked against the original record, not against the page.

A material correction, meaning one that changes a conclusion, is published with the date, the prior wording, and the revised wording, and the page carries a correctedstatus. The prior wording stays visible, because a correction that hides what was previously said is a rewrite, not a correction. Typography and formatting fixes are made without a log entry.

See the corrections page for the process and the log.

Where AI is used, and where it is not

This is stated specifically, because a vague answer here is worthless.

Automation is used to:

• search for candidate sources and retrieve their text;
• extract candidate claims from a retrieved source;
• draft prose against sources the author has selected;
• adversarially re-check a draft: refetch every cited URL, confirm the page supports the listed claims, and flag uncited claims, citation overreach, universal policy-language statements without a form caveat, market practice stated as a rule, and anything that reads as advice or as a coverage determination;
• run the deterministic retrieval that powers the lookup.

Automation is never used to:

• publish anything without a named human author and a named licensed reviewer;
• generate an answer on demand for a reader;
• assert a fact that no source in the registry carries;
• decide whether a claim is adequately sourced;
• manufacture pages, examples, statistics, testimonials, or reviews.

Structured data, retrieval, and generation are production techniques. None of them is a substitute for licensed or editorial review, and no page on this site implies otherwise.

Funding, sponsorship, and the Bollinsure relationship

This site is operated and funded by WJB Services, Inc. dba Bollinsure Insurance Services, a California insurance brokerage. Bollinsure may be compensated by an insurer when it places coverage. That is the commercial relationship, stated plainly, and it is disclosed next to every licensed-help action on the site.

• Ranking and inclusion are not for sale, and there is no ranking to sell.
• There is no sponsored content, no paid placement, no affiliate link, and no arrangement under which anyone can buy a conclusion, a mention, or a link.
• If that ever changes, the disclosure appears on the page carrying the relationship, not only here.
• The research journey never requires a Bollinsure handoff. The answer, its sources, and its limits are complete without it, and the handoff is an optional next step offered after the reader already has what they came for.
• Bollinsure is not presented as the only source of licensed help, because it is not.

How examples are labeled

Every example states what it is before it states what happened: a public record, a carrier-authored document, a published industry example, an anonymized and approved client case, a composite, or a hypothetical. A composite or hypothetical is never presented as a real outcome, and no example anywhere on this site uses information from a declarations page, an intake, an email, or an agency management system. See the examples index for the full labeling rules.

What this site deliberately does not answer

• Whether a specific person, property, or business is eligible or insurable.
• Whether a specific risk belongs in the admitted market, the surplus lines market, a FAIR Plan, or any other channel.
• What a specific policy covers in a specific claim.
• What insurance should cost for a specific risk.
• Which insurer is best, cheapest, or most reliable.
• Anything requiring legal, tax, medical, lending, investment, or claims judgement.

These are not gaps waiting to be filled. They are decisions that belong to an insurer, a lawyer, or another licensed professional, and a public page that pretends otherwise is doing harm.