AI Agent Insurance · Underwriting Evidence Guide

How Insurable Agents Produce Evidence

AIUC-1 accredited its first auditor in February 2026; the first agent operator shipped a certified-and-insured deployment days later; by May 2026 an underwriter had a standing paper offering up to $50M of agent-risk coverage. What none of that changes is the standing demand underneath it: a certificate stays valid only against quarterly technical testing, and an underwriter prices agent risk on deterministic, replayable behavior evidence — not a claim of good behavior. This guide walks through the three tools that prepare that evidence: a readiness checkrun against AIUC-1's requirement families, a quarterly test-evidence pack that chains one quarter to the next, and a structured incident record an underwriter can consume after something goes wrong.

3-Tool Evidence Set Quarterly Cadence Declared Inputs Only Zero PII
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The fence is the point: AIUC issues AIUC-1 certification; we do not. Every tool here is prepared evidence — cited as "prepared for AIUC-1 §N" against the taxonomy pinned at build time — never a claim that an agent is "AIUC-certified" or "compliant." Each tool works from what you declare: the requirement mapping you confirm, the test suite you ran, the incident you report. None of the three tools discovers agent behavior, runs a live test suite, or determines fault; zero-egress by contract. A receipt from any of them proves this structural mapping, this digest chain, or this record format over these declared inputs — underwriting the risk is the underwriter's job, not this tool's.
The Three Tools

One tool per stage of the certificate lifecycle

Readiness comes first, before a certificate exists. The quarterly pack is the standing obligation that keeps an issued certificate valid. The incident record is what you produce the one time something goes wrong.

1AIUC-1 Readiness CheckrunT560

Maps AIUC-1's requirement families — safety, security, reliability, accountability, governance — to evidence steps, each carrying an attestation or receipt digest as its evidence requirement. Runs as a fixture to produce a readiness bundle before you ever approach an auditor. Versioned by aiuc_version, so a quarterly revision to the requirement text is a data re-pin, not a rebuild.

2Quarterly Test-Evidence Composerbuild_agent_test_evidence · art-378

Composes a quarterly technical-testing pack: test-suite identity and digests, per-test receipts, pass rates, and a regression comparison against the prior quarter's pack — chained by that prior pack's digest, so a tampered prior-quarter figure is detectable rather than silently accepted. This is the artifact that keeps an issued certificate valid quarter over quarter.

3Agent Incident Recordbuild_agent_incident_record · art-379

Structures a declared incident into a signed record: agent identity, the failure description, session evidence digests, and remediation status — cross-linked to the same escalation-tier vocabulary used elsewhere in the suite. Built for an underwriter to consume after an incident, not to detect one or to determine fault.

Reading a Receipt

What each receipt maps to an underwriting question

Underwriting questionWhat the evidence set answers
Is this operator ready to pursue AIUC-1 certification?The readiness checkrun's bundle, mapped against the requirement families pinned to the current aiuc_version.
Has this operator kept up quarterly technical testing since the certificate issued?The quarterly test-evidence pack, chained quarter to quarter by digest, with regression called out explicitly.
Can I trust that a prior quarter's testing figures weren't altered after the fact?The digest chain's tamper check on the prior-quarter pack.
What actually happened in an incident, and is it fixed?The incident record's failure description, session evidence digests, and remediation status.
Is any of this a certification or a fault determination?No. Every artifact here is declared evidence prepared for AIUC-1 review; AIUC certifies, underwriters price risk, this suite prepares the record.
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