Record Keeping
I always found this tech to be a bit awkward in relation to Writing. The icon suggests it includes non-writing systems like Inca qipu, but not necessarily so. The Writing tech would then represent a more widespread or standardized writing proficiency?
It's definitely better than BtS's Writing and Alphabet combination, because it's more inclusive. Still the name Record Keeping seems a bit awkward and together with the icon specifically designed to include qipu, which are a very unique historical case. Most other forms of early record keeping involved some kind of (maybe symbolic) writing.
The icon is an ancient Chinese tally bone. With the apparent exception of the Egyptians, every culture that developed their own writing system first invented systems for managing economic transactions. Quipu is a famous example, but there are many others. Tally sticks in Northern Europe, China, and parts of Africa. Clay tokens in Mesopotamia and India. Clay and wax seals in Bronze Age cultures all around the Mediterranean. Actual writing, with words and syntax, evolved from these systems and allowed other uses, notably literature. That's what I intend the Record Keeping and the Writing techs to represent.
Constitution
End of the Middle Ages seems really early for this technology, also considering what we are used to from BtS. For me, the idea of Constitution includes some sort of limited government and is evocative of the American and French revolutions and the year of 1848. The position of Constitution in HR seems to refer to early English Parliamentarianism and the Magna Carta. While the latter is often referenced as an early precursor to a constitution, it did not really function like we understand constitutions of the modern period and was largely irrelevant to how England was governed. Again, I don't think it's a problem with the tech itself but rather that name and meaning differ.
Parliaments themselves are a medieval institution, so I would simply suggest to rename the tech to Parliament. That leaves us without an actual Constitution tech. I think the tech should exist though. Best I can think of right now is to rename Representation to Constitution instead. That position and the effects fit with the understanding of what Constitution represents as outlined above.
The bottom 2 rows, from Constitution and Evangelism through to Fertiliser and Representation, is the bit of the tree I'm still unhappy with. I reworked it a bit in 1.23, but that era wasn't the primary focus of that review. It's much better than it was, but there are still anachronisms and tenuous connections there, as you've noticed. I plan to review it further at some point.
Insurance
This tech seems to have no real purpose. Besides defensive pacts it has no effect, and that also only has a tenuous connection to insurance. I can only speculate why the tech is there in its current state, with two possible scenarios:
1. you wanted a late Renaissance tech to enable defensive pacts
2. you wanted a commerce oriented late Renaissance tech, but were left without fitting effects
It's a linking tech, there to ensure everything is connected that needs to be at that point in the tree. Defensive Pacts are attached simply so it had something to unlock. It was going to unlock the Mafia as well, but they didn't make the cut for 1.23. This tech is a large part of the reason I'm unhappy with this section of the tech tree.