For brokers, underwriters, claims and cyber-risk leaders
When an AI agent causes a loss, what was it authorized to do?
After an agent-initiated loss, the first questions are about authority: who delegated what, under which conditions, and whether anything enforced those limits. Today the answers are usually reconstructed from credentials and fragmented logs, after the fact.
The four facts claims discovery needs
Standard Bearer's design aims to make each of these an explicit record rather than an inference.
1. The delegation record
Which person authorized which agent, for which kind of action.
2. The conditions
The limits that applied: recipient, amount, time window, and whether the permission had been revoked.
3. The enforcement evidence
Whether a check ran at the point of execution, what it decided, and who can verify that record.
4. The resulting action
What actually happened, and how it compares with what was authorized.
What we want to learn from insurers and brokers
We are not selling coverage. We are asking which evidence would actually change a decision.
- Which policy wording and exclusions are being tested by agent-initiated actions today?
- Which loss categories involving AI agents concern you most: payments, data, operations, or others?
- Would an explicit delegation record, or independently verifiable evidence, change eligibility, limits or pricing?
- What would claims teams need to see to separate an authorized agent action from an unauthorized one?
Where things stand
A local financial-authority simulation that records each grant, request and decision, and replays them. Its records are self-attested by the simulator.
No carrier approval or endorsement, no insurance product, no guarantee of reduced losses or claims, and no independently witnessed evidence yet.
Common questions
Does Standard Bearer insure AI-agent risk?
No. Standard Bearer is not an insurer, broker or insurance product, and it does not guarantee fewer or smaller claims.
Has any carrier approved or endorsed it?
No. We are looking for insurers and brokers to help define which evidence would actually matter to underwriting and claims.