Learning Center · For underwriters, brokers and risk managers
The AI agent underwriting question set.
Twenty questions to ask about an insured’s AI agents, in five parts: inventory, authority, the stop, the record and the claim. Free to use, to adapt and to download.
1. Inventory
- Which AI agents can take actions with financial, data, operational or physical effect?
- Which systems can each agent act on, and with which credentials?
- Which agents act for the insured with other companies’ systems or agents?
- How is a new agent, or a new capability for an existing one, approved before it goes live?
2. Authority
- For each agent, who is the named person whose authority it acts under?
- Is that authority checked at the moment each action takes effect, or granted once in advance?
- “Does a human need to verify accuracy before AI takes action?”A sample carrier application question, Aon AI Fact Sheet 2026, p. 6.
- When a person’s authority is withdrawn, what happens to actions already in flight?
3. The stop
- Can a named person stop an agent, and how quickly does the stop take effect?
- Once stopped, does the agent stay stopped until a named person re-arms it?
- If the authority check cannot complete, does the action fail closed?
- Is the stop itself recorded: who pressed it, under what authority, and what ran afterwards?
4. The record
- “Are AI actions logged so potential errors can be reviewed and remediated?”A sample carrier application question, Aon AI Fact Sheet 2026, p. 6.
- Does the record show the actions that were stopped or held, as well as those that ran?
- Is each record made at the moment of the action, and can a later change be detected?
- Can an outside party, such as the carrier, an auditor or a court, verify the record without trusting the insured’s own systems?
5. The claim
- When did the AI drift: when was the first action outside the authority given?
- Who stopped it, and when?
- Did they hold the authority to stop it?
- What ran afterwards?
A question set for discussion, free to adapt. It is not legal advice and states no underwriting standard. Regulayer™ supplies the evidence; the insurer makes the determination.
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