INSURANCE.md standard steward

Insurance for the agent era.

Clara helps AI-native companies turn scattered risk facts, contracts, controls, policies, claims history, and evidence into a portable INSURANCE.md readiness packet an agent can maintain.

Explore INSURANCE.md

INSURANCE.mdreview_required

companyAcme Agents, Inc.

triggerEnterprise contract requires Tech E&O, cyber, CGL, and D&O.

evidenceSOC 2, customer MSA, current policies, security controls.

gapsRevenue split, AI use, claims/circumstances confirmation.

attestationHuman review pending before broker or carrier use.

The document becomes the interface.

Clara is not hiding a standard behind a sign-in wall. The public protocol should be readable by founders, operators, brokers, carriers, and agents. Sign-in unlocks the hosted workspace around the protocol.

Public standard

The spec, examples, and agent instructions stay public so AI agents can discover, read, and generate packets without an account.

Signed-in workspace

Google sign-in unlocks the future Clara workspace for saved packets, validation history, exports, and subscription features.

Brokerage path

Where licensed and appointed, Clara can turn an attested packet into review, strategy, market submission, and service workflows.

Agent-readable by default

Designed for workbenches, not just browsers.

If a founder points Codex, Claude Code, Cursor, OpenClaw, or another harness at Clara, the agent should understand what to generate, what evidence to inspect, what not to claim, and what needs human authorization.

INSURANCE.md structure

---
schema_version: "0.1"
company: "Acme Agents, Inc."
generated_at: "2026-06-01"
prepared_by: "company_agent"
readiness_state: "review_required"
confidence: "medium"
---

# INSURANCE.md

## Business Summary
Acme Agents builds operational AI agents for finance and security teams.

## Insurance Requirements
- Enterprise customer contract requires Tech E&O, cyber, CGL, and D&O.
- Cyber minimum: $2M aggregate.
- Contract asks for notice of cancellation within 30 days.

## Evidence Index
- SOC 2 Type II report: evidence/security/soc2-2026.pdf
- Customer MSA: contracts/customer-msa-acme-bank.pdf
- Current cyber policy: insurance/cyber-policy-2025.pdf

## Gaps
- Confirm revenue split by geography.
- Confirm whether any model outputs are used for regulated decisions.
- Confirm known claims, incidents, or circumstances.

## Human Review
Status: not attested
Reviewer: pending

Readiness before quotes.

The first wedge is not an automatic quote. It is the structured, evidence-backed packet that makes insurance review faster, safer, and easier to compare.