With Congress resistant or not able to move federal regulations in alternative subjects of occupation, and federal businesses not likely to factor large laws, the states will breaking in. The end result will probably be a fragmented criminal soil that may pose vital demanding situations for companies as they grapple with a mixture of other or even contradictory insurance policies in states the place they perform. Climate insurance policies in 4 subjects will probably be in particular difficult to navigate: the utility of noncompete oaths, paid-leave insurance policies, pay-transparency necessities, and AI law.