The human-in-the-loop is a liability tax.
Claims and underwriting automation isn't gated by model capability — it's gated by liability. 99% isn't enough to pay a claim or price a policy unsupervised, so a human sits on every decision the AI could already make. That human is a tax weak validation imposes — and it quietly caps the value of the AI.
The trapped value — your figures
claims/yr × (AI-capable % − touchless % today) × handling cost/claim
The shaded band is decisions the AI could already make but a human still touches — pure liability tax. Percentages are illustrative.
Illustratively, one motor claims line: 2M claims × a 30-point liability-gated gap × ~€50 = ~€30M/year in handling cost alone, on one line in one market — before leakage and cycle-time. Across lines and markets it is a board-level number.
Each rung of assurance closes this gap.
Illustrative — plug your real claims volume, touchless rate, and loaded handling cost.
Every liability-gated human touch on a claim the AI could already adjudicate is pure unit cost — removed when you can safely extend touchless.
The risk in extending automation is silent model drift adding leakage. Verified extension captures the efficiency without the downside.
Touchless settles in minutes, not days — NPS, retention, fewer complaints.
Every step of unsupervised AI is an incident waiting on someone's watch. Continuous verification + drift detection lets you extend and still sleep — with the evidence a regulator expects.
You're stuck at today's touchless ceiling because no accountable owner, regulator or reinsurer will bless going further without ongoing proof the agent behaves — and keeps behaving. That proof is what Annexo provides: independent, continuous verification of how your live claims agent actually behaves, mapped to the obligations it must meet. It has to be independent — you can't self-certify it to a regulator, and the vendor that built the model can't grade its own work.
The design-partner pilot
One claims line. 60–90 days. Shadow mode.
We run independent verification against your live claims AI on real traffic — no production risk: we observe, we don't decide. You get a quantified, evidenced read on where you could safely extend touchless and what it's worth, plus the continuous-verification harness to do it. Your input shapes the product. It's a pilot, not a sale.
Annexo provides independent verification and readiness evidence — it is not a conformity assessment, not legal advice, and not a guarantee; Annexo is not an insurer or a notified body. Figures above are illustrative.