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The rapid adoption of AI in critical industries like healthcare and legal services has highlighted the urgent need for robust risk mitigation mechanisms. While domain-specific AI agents offer efficiency, they often lack transparency and accountability, raising concerns about safety, reliability, and compliance. The stakes are high, as AI failures in these sectors can lead to catastrophic outcomes, including loss of life, legal repercussions, and significant financial and reputational damage. Current solutions, such as regulatory frameworks and quality assurance protocols, provide only partial protection against the multifaceted risks associated with AI deployment. This situation underscores the necessity for an innovative approach that combines comprehensive risk assessment with financial safeguards to ensure the responsible and secure implementation of AI technologies across high-stakes industries.