Real ChatGPT answer · index seedVSMxF7IbB6gcompleteInsurance · renters insuranceinformational

What constitutes gross negligence under personal liability coverage when hosting a catered holiday party in a rented loft?

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What constitutes gross negligence under personal liability coverage when hosting a catered holiday party in a rented loft?
3 real searches · 1 real-search pass
Michigan legal definition gross negligence standard reckless disregard safety casesGoogle ↗
OBSERVEDReason
homeowners personal liability insurance rented premises party coverage exclusions liquor liability business activity policy languageGoogle ↗
OBSERVEDComparison
Michigan homeowners insurance personal liability coverage rented venue event host liquor liabilityGoogle ↗
OBSERVEDComparison

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (3)
Short factOther / navigationalComparison67%ConsequenceReason33%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT3 real searches · gpt-6
Michigan legal definition gross negligence standard reckless disregard safety cases Google ↗
homeowners personal liability insurance rented premises party coverage exclusions liquor liability business activity policy language Google ↗
Michigan homeowners insurance personal liability coverage rented venue event host liquor liability Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Michigan legal definition gross negligence standard reckless disregard safety cases
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
homeowners personal liability insurance rented premises party coverage exclusions liquor liability business activity policy language
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
Michigan homeowners insurance personal liability coverage rented venue event host liquor liability
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1