Insurance

A driving record, for AI.

Motor became priceable when verified telemetry existed. AI conduct has none, so when a loss arrives the only record of what the AI did is the defendant’s own logs. Regulayer™ is that missing record: sealed as it happens, verifiable by a party adverse to everyone involved, with the underlying work excluded.

Watch your insured’s agents, live Bring us a book Book a live demo

Runs inside the insured’s environment. The insured chooses what evidence to share.

In four lines

The stop is insured. The claim needs the record.

1 · InsuredThe stop is now insured.Cover pays when a company suspends its own malfunctioning AI. Beazley, AI Voluntary Shutdown, 24 September 2026.The stop 2 · The claimA claim will need the record of the stop.When it drifted, who stopped it, whether they held the authority, and what ran afterwards.What a claim needs 3 · The proofRegulayer™ makes that record.Sealed as it happens. Anyone can check it, without us.Verify a record 4 · The Transponder™Watch your insured’s agents, live.Every action, allowed or stopped, as it happens, from the same sealed record. The insured chooses to share it, and you can price that as a discount.See it live

Source: Beazley, AI Voluntary Shutdown, 24 September 2026.

The stop

The stop is now insured. Prove who pressed it.

Cover now pays when an insured suspends its own malfunctioning AI. A claim will need the record of the stop: when the AI drifted, who stopped it, whether they held the authority, and what ran afterwards. FailStop answers all four from one sealed record.

A named, authorized person pulls the switch. Every action still inside the airlock is held or stopped; an action already completed is not reversed. Tripped, it stays tripped: nothing runs again until a person re-arms it, and the AI cannot re-arm itself.

What a claim will need	From the FailStop record
When did the AI drift?	The first action outside the agreed authority, sealed as it happened.
Who stopped it, and when?	The named person who pulled the switch, to the moment.
Did they hold the authority?	Who held the authority, and who withdrew it, in the same sealed record.
What ran afterwards?	Every later request held, until a named person re-armed it.

See FailStop Start a pilot

The halt and its proof are sealed together. Regulayer™ supplies the evidence; the insurer makes the determination.

The film · 41 seconds

AI agents just became an insurance problem.

Query a system it was never given.

At the moment the agent acts, Regulayer™ checks the named person’s authority. No one allowed this, so it stops, and the record is sealed.

Check. Stop. Prove.

Sample agents, sample actions.

All films

The Transponder™, for insurers

Your book, as it happens.

A sample of the carrier’s view, unsigned. Zoom from the whole book to a region, a country and one insured. Then act as the insured: withdraw a person’s authority and see the carrier’s view change in the same second. Check a claim against the record, and see binds checked as they are issued. Sample insureds, sample actions. What the Transponder™ shows an insurer.

LIVE

Region	Insureds	Actions today	Drift stops per 1,000	Named person

Insured	Country	Sector	Actions today	Drift stops per 1,000	Named person	Record

Select a region or country to zoom in, or an insured to open it.

The carrier’s view · read-only

0Actions checked

0Drift stops per 1,000

$0Value at stake in stopped actions

noneStopping distance, last withdrawal

The insured’s console · its named people

Only the insured withdraws or restores an authority. The carrier sees the withdrawal land in its view, in the same second, and cannot change it.

Named binder	Binding authority	Set by the carrier

Bind	By	Result

TodayA bordereau arrives next month. An audit samples some of it. A bind outside authority is found weeks later, if at all.

With the recordEach bind is checked against that person’s current authority as it is issued. Outside it, the bind is refused and recorded.

Sample insureds, sample actions. The record shows who allowed each action and whether their authority held; the price stays the insurer’s.

Take a real signed record home: download one and check it in the open verifier, without us.

What an underwriter prices on

AI risk, turned into rating variables.

Read from signed records, per insured and across a book. The models and the price stay the insurer’s.

Rating variable	From the record	What it prices
Agreed authority	The operational scope, named person by named person	What the underwriter sets beside the policy
Actions taken	Every action counted, allowed or refused	The exposure base: rates per 1,000 actions
Drift rate	Drift stops per 1,000 actions, and the trend	Frequency: a leading sign before a loss, like hard braking in motor
Stopping distance	How long after authority is withdrawn an action can still take effect, and how many did	Severity: what can still happen after the person says stop
Value held	What refused actions would have moved	What the stopped actions would have moved. Not a loss figure.
Named-person coverage	Share of actions resting on a named person, not a service account or shared login	Quality of control
Wrong refusals and availability	Refusals later proved unnecessary; signed periods the control was unavailable	Business interruption caused by the control itself
Shared-failure exposure	Release, key custody, time source and dependencies of each control	Accumulation across a book
Proof of absence	A sealed statement of what the connected register held at that moment	Renewal and claims certainty

Two sides of one market

For the carrier using AI, and the carrier covering it.

Insurers deploying AIControl before consequence.Claims, underwriting and service agents act only under the authority a named person set. Off it, the action is sent back or held, and a signed record shows who authorized what.

Insurers underwriting AI riskConduct you can price.A sealed, content-free record of how AI is actually used, which an outsider can verify without trusting the insured.

Insurers deploying AI

The ask

Bring us a book, and we will show you the record behind it.

We are looking for underwriters and claims specialists in professional lines, cyber and technology E&O to answer one question: which fields of a conduct record would actually move an underwriting or a claims decision.

Nothing here asks you to trust us. Every artifact verifies offline, with no contact with us at all.

Start a pilot Write to hello@regulayer.com AI rules for insurers The full insurers brief

Questions a claim will ask Underwriting questions AI insurance in numbers Underwriting AI risk, in depth

Regulayer™ supplies the evidence. The insurer reads the record and makes the determination. Any change to a sealed record fails verification.