@techreport{f3sfdf,
  author = {Gilly, Travis},
  title = {{The Underwriter's Exhibit: Employment Practices Insurance, Algorithmic Hiring, and the Disability Plaintiff's Proof}},
  institution = {Real Safety AI Foundation},
  type = {Working Paper},
  year = {2026},
  month = jul,
  note = {Version 0.5},
  url = {https://realsafetyai.org/research/f3sfdf/},
  keywords = {employment practices liability insurance, algorithmic hiring, automated employment decision tools, Americans with Disabilities Act, Section 504, disparate impact, business necessity, pre-offer medical examination, Albemarle Paper Co. v. Moody, Karraker v. Rent-A-Center, Mobley v. Workday, Connecticut v. Teal, Upjohn Co. v. United States, self critical analysis privilege, insurance as governance, discovery, bias audit}
}