AI Fluency evidence pack
| Organization | Northstar Mutual |
|---|---|
| Generated | 2026-10-16 08:07:31 UTC |
| Round | Q3 2026 (closed 31 Jul 2026) Illustrative: a fabricated round in the demonstration organization. Backfilled: for 65 of these results the department was filled in from membership when rounds were introduced, not recorded when the result was taken. |
| Period covered | July 24, 2026 to July 29, 2026 |
| Instrument | 15-question assessment |
| Instrument version | A-legacy-pre-2026-08-19 |
| Scoring key version | R-d5cf2a7e73 |
| Population basis | Registered people in this organization's account when the round closed. Department headcount labels are free text and are not used as a denominator. |
Scope of this document. This document records measurement results and identifies the framework areas that those results are relevant to. It does not assess or assert compliance with any law, regulation, bulletin or framework, it does not state that any of them require this or any product, and it is not legal advice. Determining what any framework requires of this organization is a matter for its own counsel.
The instrument behind these figures. The item counts, the full scoring key, the banding rule, item review status and the properties not yet established are set out in AI Fluency Rubric: Instrument and Evidence, v0.3. These scores are not a credential and were not validated for use in selection, promotion, compensation or termination decisions.
1 Workforce coverage
What this records. Which registered people have been assessed, and when.
| Registered people | 66 |
|---|---|
| Assessed at least once | 65 |
| Not yet assessed | 1 |
| Coverage of registered people | 65 of 66 registered · 98.5% |
| Coverage of the workforce | Not established. This organization has not recorded a total headcount that can be used as a denominator, so no share of the workforce is claimed here. Registration is the only population this document can count. |
These figures are from Q3 2026, which ran from July 24, 2026 to July 31, 2026. They count the 65 people with a result in it, out of 66 registered when it closed. Anyone assessed after it closed is in a later round, not here.
Who has taken part is listed by name and department in the appendix, with the date each was last assessed. No individual’s results appear in this document: every figure is over a group of 5 or more.
EU AI Act, Article 4
AI literacy obligation for providers and deployers. Applies from 2 February 2025; national market surveillance from 2 August 2026. The Act sets no fine specific to Article 4; Member States set the penalties for breaches of the Act (Article 99(1)).
This area concerns what the Act calls the AI literacy of the people an organization has using AI systems. The coverage and AI Fluency results above describe that population and what was measured.
2 Governance competency
What this records. Measured Governance scores across the assessed population.
| Governance, organization mean | 2.7 of 4 |
|---|---|
| All five dimensions, mean | 2.6 of 4 |
Governance measures whether people keep AI use inside policy, privacy and risk boundaries. Scores are 1 to 4 and are the mean of each person’s most recent result.
NIST AI Risk Management Framework, Govern function
Voluntary framework.
The Govern function concerns workforce competency and accountability. The Governance dimension scores above are a measure of one competency within that area.
3 Training focus: a tie, for leadership to choose
What this records. Measured dimension means across the assessed population, and the training focus: the two dimensions furthest below Applied when any group is under level 3.
| Awareness, mean | 2.8 of 4 |
|---|---|
| Instruction, meantied for focus | 2.6 of 4 |
| Verification, meantied for focus | 2.5 of 4 |
| Governance, mean | 2.7 of 4 |
| Integration, meantied for focus | 2.4 of 4 |
Instruction, Verification and Integration are tied below Applied across the assessed population, within 0.2 of each other, so this product does not pick the two to train. You choose. Two figures within 0.2 of each other, the smallest difference this product will report, are treated as tied and never separated by the order of a list.
US Department of Labor AI Literacy Framework, TEN 07-25
Issued February 2026. Explicitly voluntary guidance.
This area concerns what the framework calls AI literacy across a workforce. The dimension-level AI Fluency results above address it, including the ability to check AI output before relying on it.
4 Coverage and results by department
What this records. Assessment coverage per department, with Governance and Verification means.
| Department | Assessed | Coverage of registered | Governance | Verification |
|---|---|---|---|---|
| Claims | 10 of 11 | 91% | 2.4 | 1.9 |
| Customer Ops | 9 of 9 | 100% | 2.3 | 2.4 |
| Finance | 7 of 7 | 100% | 3.2 | 2.5 |
| Leadership | 6 of 6 | 100% | 2.7 | 2.2 |
| Legal & Risk | 6 of 6 | 100% | 3.4 | 2.8 |
| Product & Tech | 10 of 10 | 100% | 2.5 | 3.2 |
| Sales & Broker | 8 of 8 | 100% | 2.8 | 2.7 |
| Underwriting | 9 of 9 | 100% | 2.6 | 2.0 |
A dash means the department’s results are withheld. Results are shown only for groups of five or more, to protect individual privacy. A department can also be withheld when showing it would let a smaller one be worked out from the totals. Withheld departments are included in the organization figures.
NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers
Concerns written AI Systems Program documentation. Adopted by 24 states as of March 2025.
This area concerns written documentation of an insurer's AI Systems Program. This document is a dated written record of one input to such a program: measured workforce AI Fluency.
5 Results by round
What this records. Each measurement round up to and including this one, oldest first, and the organization mean from each person's latest result within it.
| Round | Kind | Assessed in round | Mean of five |
|---|---|---|---|
| Q1 2026 | Illustrative | 53 | 2.3 |
| Q2 2026 | Illustrative | 56 | 2.4 |
| Q3 2026 | Illustrative | 65 | 2.6 |
Between Q2 2026 (illustrative) and Q3 2026 (illustrative) the mean of the five dimensions moved by +0.2. Both rounds have enough responses on the same version of the assessment to state a change. This is a difference between two measurements, not a finding about what caused it.
A dash means the round is under the privacy floor. Results are shown only for groups of five or more, to protect individual privacy. Kinds: Reconstructed is the round made from results taken before rounds existed; Illustrative is fabricated demonstration data; Test is internal test data.
Colorado Division of Insurance, Regulation 10-1-1
Compliance report due July 1, 2026 and annually thereafter.
This area concerns an annual reporting cadence. The round-over-round figures above are recorded on a repeating basis and are dated so an earlier state can be reconstructed.
Appendix: participation
65 people with a result in Q3 2026, under the department recorded on that result, and the date of it. The round is closed, so registered people without a result are counted (1) but not named. No results are listed for any person.
| Name | Department | Status | Last assessed |
|---|---|---|---|
| Person 01 | Claims | Completed | 2026-07-25 |
| Person 02 | Claims | Completed | 2026-07-26 |
| Person 03 | Claims | Completed | 2026-07-25 |
| Person 04 | Claims | Completed | 2026-07-26 |
| Person 05 | Claims | Completed | 2026-07-28 |
| Person 06 | Claims | Completed | 2026-07-26 |
| Person 07 | Claims | Completed | 2026-07-27 |
| Person 08 | Claims | Completed | 2026-07-24 |
| Person 09 | Claims | Completed | 2026-07-26 |
| Person 10 | Claims | Completed | 2026-07-28 |
| Person 11 | Customer Ops | Completed | 2026-07-25 |
| Person 12 | Customer Ops | Completed | 2026-07-28 |
| Person 13 | Customer Ops | Completed | 2026-07-24 |
| Person 14 | Customer Ops | Completed | 2026-07-24 |
| Person 15 | Customer Ops | Completed | 2026-07-29 |
| Person 16 | Customer Ops | Completed | 2026-07-24 |
| Person 17 | Customer Ops | Completed | 2026-07-24 |
| Person 18 | Customer Ops | Completed | 2026-07-26 |
| Person 19 | Customer Ops | Completed | 2026-07-27 |
| Person 20 | Finance | Completed | 2026-07-27 |
| Person 21 | Finance | Completed | 2026-07-29 |
| Person 22 | Finance | Completed | 2026-07-25 |
| Person 23 | Finance | Completed | 2026-07-27 |
| Person 24 | Finance | Completed | 2026-07-27 |
| Person 25 | Finance | Completed | 2026-07-24 |
| Person 26 | Finance | Completed | 2026-07-29 |
| Person 27 | Leadership | Completed | 2026-07-26 |
| Person 28 | Leadership | Completed | 2026-07-27 |
| Person 29 | Leadership | Completed | 2026-07-29 |
| Person 30 | Leadership | Completed | 2026-07-29 |
| Person 31 | Leadership | Completed | 2026-07-25 |
| Person 32 | Leadership | Completed | 2026-07-28 |
| Person 33 | Legal & Risk | Completed | 2026-07-25 |
| Person 34 | Legal & Risk | Completed | 2026-07-28 |
| Person 35 | Legal & Risk | Completed | 2026-07-26 |
| Person 36 | Legal & Risk | Completed | 2026-07-29 |
| Person 37 | Legal & Risk | Completed | 2026-07-28 |
| Person 38 | Legal & Risk | Completed | 2026-07-29 |
| Person 39 | Product & Tech | Completed | 2026-07-27 |
| Person 40 | Product & Tech | Completed | 2026-07-29 |
| Person 41 | Product & Tech | Completed | 2026-07-28 |
| Person 42 | Product & Tech | Completed | 2026-07-25 |
| Person 43 | Product & Tech | Completed | 2026-07-25 |
| Person 44 | Product & Tech | Completed | 2026-07-26 |
| Person 45 | Product & Tech | Completed | 2026-07-28 |
| Person 46 | Product & Tech | Completed | 2026-07-27 |
| Person 47 | Product & Tech | Completed | 2026-07-29 |
| Person 48 | Product & Tech | Completed | 2026-07-26 |
| Person 49 | Sales & Broker | Completed | 2026-07-25 |
| Person 50 | Sales & Broker | Completed | 2026-07-26 |
| Person 51 | Sales & Broker | Completed | 2026-07-24 |
| Person 52 | Sales & Broker | Completed | 2026-07-24 |
| Person 53 | Sales & Broker | Completed | 2026-07-26 |
| Person 54 | Sales & Broker | Completed | 2026-07-26 |
| Person 55 | Sales & Broker | Completed | 2026-07-29 |
| Person 56 | Sales & Broker | Completed | 2026-07-28 |
| Person 57 | Underwriting | Completed | 2026-07-27 |
| Person 58 | Underwriting | Completed | 2026-07-25 |
| Person 59 | Underwriting | Completed | 2026-07-26 |
| Person 60 | Underwriting | Completed | 2026-07-24 |
| Person 61 | Underwriting | Completed | 2026-07-28 |
| Person 62 | Underwriting | Completed | 2026-07-28 |
| Person 63 | Underwriting | Completed | 2026-07-28 |
| Person 64 | Underwriting | Completed | 2026-07-28 |
| Person 65 | Underwriting | Completed | 2026-07-26 |