The AI liability landscape is moving too fast for annual surveys and too slow for news alerts. The Exposure Map is a periodic signal report — new filings, regulatory movement, insurance signals, and sector watch — translated for the little guy.
First edition highlights:
- State AGs are the new AI-liability front (Florida v. OpenAI and the copycat playbook)
- “Chatbot is a product” — the liability theory bypassing Section 230
- The copyright split rule: training is fair use, piracy-sourcing cost $1.5 billion
- The “silent AI” insurance era is closing (ISO CG 40 47 exclusions vs. affirmative AI endorsements)
- Local data-center moratoriums — North Port and Palm Beach County
Every signal carries a strength marker: ● confirmed, ◐ reported, ○ unverified. Current as of September 24, 2026.
