TAIM v1 — 6-layer threat matrix recalculated every 4 hours
12:17 ET
VERDICTMarch 25, 2026 — $381M in verdicts against Meta & YouTube in a single day. MDL 3047 federal bellwether trial begins June 15, 2026. Read TeenAegis Statement →
Insurance Intelligence Hub
The risk your actuaries haven't priced yet.
TeenAegis maintains the only structured actuarial intelligence dataset for social media harm exposure — Platform Danger Index, TTH/GFCR actuarial feeds, school district risk ratings, and global regulatory fine tracking. Purpose-built for underwriters, actuaries, and risk managers.
MDL 3047 — 10,000+ Cases~800 School District Claims41+ State AG Actions✓ $381M in Verdicts — March 25, 202630+ Regulatory Jurisdictions
Platforms Scored
13 platforms — daily updates
Jurisdictions Tracked
30+ regulatory jurisdictions
MDL 3047 Cases
10,000+ active federal claims
Verdict Data
$381M in verdicts (March 2026)
School Districts
~800 claims pending
State AGs
41+ active enforcement actions
$381M
In verdicts against Meta & YouTube in a single day (March 25, 2026)
10,000+
Individual cases pending in MDL 3047 Federal bellwether trial: June 15, 2026
0
Actuarial tables exist for social media harm claim frequency
Intelligence Products for Insurers
All products are available to insurers, reinsurers, actuaries, and risk managers. Contact us to discuss custom data packages and API integrations.
Most Popular
Institutional Intelligence Subscription
$499/mo
per institution
Full access to all TAIM Index data, coverage gap analysis, actuarial feeds, global regulatory tracker, and school district risk ratings — formatted for underwriting and risk management workflows.
✓Platform Danger Index — 13 platforms, updated daily
Structured API access to TTH Index, GFCR stage probabilities, and Platform Danger Index for direct integration into actuarial models and pricing tools.
✓TTH Index by platform — claim frequency proxy
✓GFCR stage probabilities — loss severity proxy
✓Platform Danger Index — composite harm score
✓Updated as new primary research is published
✓JSON/CSV delivery — integrates with existing actuarial tools
✓Applicable to school district cyber and excess/surplus pricing
Regulatory Monitoring Service
Custom pricing
per institution
Real-time alerts on regulatory actions, fine announcements, and legislative developments across 30+ jurisdictions. Delivered as daily briefings or API.
✓Verdict and settlement alerts — MDL 3047 and state courts
✓Delivered as daily briefings or structured API
✓30+ jurisdictions covered
Trial Ready
Expert Witness & Coverage Dispute Support
Engagement-based
per matter
TeenAegis intelligence used as expert evidence in coverage disputes and platform liability litigation. Includes written declarations, Daubert-ready methodology, and trial testimony.
✓Written expert declaration — coverage dispute or liability
✓Daubert-ready methodology section with peer citations
✓Platform harm timeline — exhibit-ready
✓Trial testimony available
✓Turnaround: 10 business days for written declaration
✓Conflict-of-interest check included
Typical Use Cases
D&O Underwriting — Platform Executives
Unsealed Meta internal documents (2024) show executives knew of teen harm. TeenAegis Executive Accountability Signals provide knowledge timelines, disclosure failure indicators, and stock price impact data — directly applicable to D&O renewal decisions and new policy underwriting.
School District Cyber Policy Pricing
52% of school districts experienced cyber incidents in 2025 (United Educators, Jan 2026). Social media harm claims are the fastest-growing new loss category not covered by standard school cyber policies. TeenAegis School District Risk Ratings enable risk-differentiated pricing.
Excess & Surplus Lines — Aggregation Risk
~2,000 correlated claims from the same platform design decisions create unprecedented aggregation risk. TeenAegis TAIM Index data provides the only structured actuarial inputs for E&S pricing of social media harm exposure.
Coverage Dispute Resolution
CGL, D&O, Cyber, and Tech E&O policies all face contested coverage for social media harm claims. TeenAegis coverage analysis — sourced from Gen Re, Clyde & Co, Husch Blackwell, and EB Actuarial — provides the intelligence foundation for coverage position decisions.
Verdict Benchmarks for Loss Modeling
Source: Public court records and regulatory announcements. All figures verified.
$375M
New Mexico jury vs. Meta
March 25, 2026
State court — individual harm
$6M
California jury vs. Meta & YouTube
March 25, 2026
State court — individual harm
$5B
FTC fine vs. Meta (Cambridge Analytica)
July 2019
Regulatory — privacy
$1.3B
Irish DPC fine vs. Meta (GDPR)
May 2023
Regulatory — data transfer
Coverage Dispute Landscape
Sources: Gen Re (Sep 2025), Clyde & Co (Mar 2026), Husch Blackwell (Feb 2026), EB Actuarial (Dec 2025).
DISPUTED
Commercial General Liability (CGL)
Bodily injury trigger disputed for mental health harms. Occurrence vs. claims-made timing contested. 'Expected or intended' exclusion invoked by platforms. Gen Re (Sep 2025): 'CGL coverage for social media claims remains highly contested.'
EXPOSED
Directors & Officers (D&O)
Unsealed Meta internal documents (2024) show executives knew of teen harm. 'Wrongful acts' exposure includes misleading disclosures, failure to act on known harm, and stock-drop liability. EB Actuarial flags this as the highest-growth D&O exposure category for 2025–2026.
COVERAGE GAP
Cyber Liability
Standard cyber policies cover data breaches and ransomware. Social media harm claims (addiction, grooming, CSAM) are NOT currently covered under standard school cyber policies (NMPSIA, June 2025). Coverage gap exists for school districts.
EXPOSED
Technology E&O
Product design defect allegations — algorithmic amplification of harmful content — are squarely within Tech E&O scope. Clyde & Co (March 2026) identifies Tech E&O as the primary coverage vehicle for platform defendants where CGL is excluded.
EXPOSED
Excess / Surplus Lines
Aggregation risk across ~2,000 correlated claims from same design decisions. E&S market facing 'unprecedented exposure' with no historical loss data. Public nuisance claims bypass bodily injury triggers.
EXPOSED
Reinsurance Programs
Long-tail mental health harms manifest years post-exposure. Correlated losses across CGL, D&O, and cyber simultaneously. Husch Blackwell (Feb 2026): 'unprecedented exposure for the reinsurance market.'
LEGAL DISCLAIMER
Coverage analysis is based on publicly available court rulings, regulatory guidance, and published industry analysis as cited. This does not constitute legal advice. Coverage determinations depend on specific policy language, jurisdiction, and facts.
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