The assurance ladder
From supervised to insurable.
In insurance, a human sits in the loop on every claim and price — not because the AI can't do the work, but because 99% isn't enough to carry the liability of running unsupervised. Each rung of independent assurance lets you take more of the human out of the loop, safely.
Independent live probes fired at the agent — its behaviour mapped to the specific obligations a claims or underwriting risk owner has to sign.
→ You can switch it on at all — proof you can demonstrate, not trust you assert.
Continuous verification and drift detection as the model, prompts and traffic change underneath you.
→ You can keep it on — catch the moment a guardrail or a disclosure quietly changes.
An independent attestation of how the agent behaves, issued by a party with no incentive to pass.
→ Your board, the regulator and the buyer accept it — because you cannot sign your own homework.
Independent, continuous assurance makes the residual risk measurable and monitored — the precondition for it to become insurable.
→ The human can come out of the loop: the claim runs touchless, with the residual risk carried rather than absorbed.
The moat is the same at every rung: independence. The platform that built your agent can't grade it, and you can't self-certify it — so the proof has to come from a party with no incentive to pass.
Verify and Monitor are live today. Ratify and Insure describe the direction of the product, not a current offering — Annexo is not an insurer and not a notified body, and nothing here is a guarantee or legal advice. The probes report observed behaviour at a point in time.