AI Fluency evidence pack
| Organization | Northstar Mutual |
|---|---|
| Generated | 2026-10-16 09:00:34 UTC |
| Round | Q4 2026 (open) Illustrative: a fabricated round in the demonstration organization. |
| Period covered | September 26, 2026 to October 11, 2026 |
| Instrument | 15-question assessment |
| Instrument version | A-45c1a0a54b, A-85ec4ebafc |
| Scoring key version | R-4a1fe38fbc, R-71d9dd5f85 |
| Version note | These results were produced by more than one version of the instrument. Figures pooled across them average different items, and any movement claim spanning the change has to say so. |
| Population basis | Registered people in this organization's account. 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 | 67 |
|---|---|
| Assessed at least once | 2 |
| Not yet assessed | 65 |
| Coverage of registered people | 2 of 67 registered · 3.0% |
| 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 Q4 2026, which opened on September 26, 2026 and is still open. They are a position as at October 16, 2026: the 2 people with a result in it, out of 67 registered today. Anyone in the organization can still be assessed in this round, so the figures will change until it closes.
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.
Results are shown only for groups of five or more, to protect individual privacy. Fewer than 5 people in this organization have been assessed, so no organization-level result is shown.
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 | — of 4 |
|---|---|
| All five dimensions, mean | — 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 Too little data to call this round either way
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 | — of 4 |
|---|---|
| Instruction, mean | — of 4 |
| Verification, mean | — of 4 |
| Governance, mean | — of 4 |
| Integration, mean | — of 4 |
Too little data to call this round either way. 2 people have been assessed in this round, and results are reported only for groups of five or more.
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 | 0 of 11 | 0% | — | — |
| Customer Ops | 1 of 10 | 10% | — | — |
| Finance | 0 of 7 | 0% | — | — |
| Leadership | 0 of 6 | 0% | — | — |
| Legal & Risk | 0 of 6 | 0% | — | — |
| Product & Tech | 1 of 10 | 10% | — | — |
| Sales & Broker | 0 of 8 | 0% | — | — |
| Underwriting | 0 of 9 | 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 |
| Q4 2026 | Illustrative | 2 | — |
No change since the previous round is stated. Q4 2026 has fewer than 5 responses, so the two are not compared.
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
67 registered people, whether each has completed the assessment in Q4 2026, and the date of that result. No results are listed for any person.
| Name | Department | Status | Last assessed |
|---|---|---|---|
| Person 01 | Claims | Not yet | — |
| Person 02 | Claims | Not yet | — |
| Person 03 | Claims | Not yet | — |
| Person 04 | Claims | Not yet | — |
| Person 05 | Claims | Not yet | — |
| Person 06 | Claims | Not yet | — |
| Person 07 | Claims | Not yet | — |
| Person 08 | Claims | Not yet | — |
| Person 09 | Claims | Not yet | — |
| Person 10 | Claims | Not yet | — |
| Person 11 | Claims | Not yet | — |
| Person 12 | Customer Ops | Not yet | — |
| Person 13 | Customer Ops | Not yet | — |
| Person 14 | Customer Ops | Completed | 2026-10-11 |
| Person 15 | Customer Ops | Not yet | — |
| Person 16 | Customer Ops | Not yet | — |
| Person 17 | Customer Ops | Not yet | — |
| Person 18 | Customer Ops | Not yet | — |
| Person 19 | Customer Ops | Not yet | — |
| Person 20 | Customer Ops | Not yet | — |
| Person 21 | Customer Ops | Not yet | — |
| Person 22 | Finance | Not yet | — |
| Person 23 | Finance | Not yet | — |
| Person 24 | Finance | Not yet | — |
| Person 25 | Finance | Not yet | — |
| Person 26 | Finance | Not yet | — |
| Person 27 | Finance | Not yet | — |
| Person 28 | Finance | Not yet | — |
| Person 29 | Leadership | Not yet | — |
| Person 30 | Leadership | Not yet | — |
| Person 31 | Leadership | Not yet | — |
| Person 32 | Leadership | Not yet | — |
| Person 33 | Leadership | Not yet | — |
| Person 34 | Leadership | Not yet | — |
| Person 35 | Legal & Risk | Not yet | — |
| Person 36 | Legal & Risk | Not yet | — |
| Person 37 | Legal & Risk | Not yet | — |
| Person 38 | Legal & Risk | Not yet | — |
| Person 39 | Legal & Risk | Not yet | — |
| Person 40 | Legal & Risk | Not yet | — |
| Person 41 | Product & Tech | Not yet | — |
| Person 42 | Product & Tech | Completed | 2026-09-27 |
| Person 43 | Product & Tech | Not yet | — |
| Person 44 | Product & Tech | Not yet | — |
| Person 45 | Product & Tech | Not yet | — |
| Person 46 | Product & Tech | Not yet | — |
| Person 47 | Product & Tech | Not yet | — |
| Person 48 | Product & Tech | Not yet | — |
| Person 49 | Product & Tech | Not yet | — |
| Person 50 | Product & Tech | Not yet | — |
| Person 51 | Sales & Broker | Not yet | — |
| Person 52 | Sales & Broker | Not yet | — |
| Person 53 | Sales & Broker | Not yet | — |
| Person 54 | Sales & Broker | Not yet | — |
| Person 55 | Sales & Broker | Not yet | — |
| Person 56 | Sales & Broker | Not yet | — |
| Person 57 | Sales & Broker | Not yet | — |
| Person 58 | Sales & Broker | Not yet | — |
| Person 59 | Underwriting | Not yet | — |
| Person 60 | Underwriting | Not yet | — |
| Person 61 | Underwriting | Not yet | — |
| Person 62 | Underwriting | Not yet | — |
| Person 63 | Underwriting | Not yet | — |
| Person 64 | Underwriting | Not yet | — |
| Person 65 | Underwriting | Not yet | — |
| Person 66 | Underwriting | Not yet | — |
| Person 67 | Underwriting | Not yet | — |