Proof for every AI decision.
Verrik is the independent trust layer for AI decisions in regulated industries — the flight recorder and auditor that captures, grounds, proves, and governs every decision your AI agents make.
⏳ NAIC AI bulletins live in ~24 states today — EU AI Act high-risk obligations land December 2027.
◆ Reproducible bit-for-bit · tamper-evident · regulator-ready
A dated, legal forcing function — carriers are liable for AI decisions, even vendor models.
Carriers are deploying AI into decisions they can't yet prove.
Underwriting and claims agents now decide price, coverage, and denials. When a regulator or a denied policyholder asks “why did the AI decide this?”, today's honest answer is spreadsheets, screenshots, and consultants — and the agent vendors can't credibly audit their own agents.
No record
Decisions can't be reconstructed after the fact, let alone reproduced exactly for an exam.
Audit gapNo proof of fairness
Nothing tests live agent decisions for disparate impact on protected classes.
Bias riskLiable for vendors
You're on the hook for decisions made by third-party and homegrown models alike.
LiabilityA hard deadline
The EU AI Act and NAIC bulletins turn this from “nice to have” into “must ship.”
Why nowOne control plane. Four organs.
Verrik sits beside your agents — their own or a vendor's — and turns every autonomous decision into something a regulator can trust.
Capture
Record every agent step as an immutable, hash-chained trace. Replay any decision bit-for-bit, months later.
Durable · tamper-evidentGround
Check each decision against your real policy and regulatory rules — with citations, not vibes.
Rule-awareEvaluate
Continuous insurance-native graders: disparate-impact, explainability, missing-step detection.
Shadow modeTranslate & report
Plain-language decision passports plus auto-generated NAIC & EU AI Act documentation.
Regulator-readyIt sits beside any agent — vendor-neutral by design.
The neutrality is the product. An agent vendor can't be the independent auditor of its own agents.
Capture
A thin SDK records each decision as a durable, replayable trace.
Ground
Resolve the decision against your real, versioned rule set.
Evaluate
Run fairness & policy graders in shadow mode on live traffic.
Report
Emit passports & portfolio governance reports on demand.
The moat is a triple-lock no incumbent can copy.
Agent vendors have the domain but a conflict of interest. Horizontal governance and eval tools are independent but don't speak insurance. Verrik is the only layer that is all three at once.
Insurance-native
Real disparate-impact math and policy grounding — not generic “is the agent correct.”
Independent
A neutral auditor across whatever agents you run. The vendor can't grade its own homework.
Wired to the runtime
Evidence captured at decision time — reproducible, citable, and exam-ready.
The document a regulator actually accepts.
Every figure derived from immutable, tamper-evident traces — nothing self-reported. Generated on demand, not assembled by hand the week before an exam.
Questions a Chief Risk Officer asks.
Do you replace our AI agents?+
No. Verrik sits beside whatever agents you run — your own or a vendor's. We're the independent layer that proves and governs their decisions, not another agent competing for the workflow.
How is this different from a generic AI-governance tool?+
Horizontal governance and eval tools don't speak insurance — they can't test disparate impact on protected classes or map a decision to a state bulletin. Verrik is insurance-native and wired into the decision runtime, not a paperwork layer.
What do we get out of a pilot?+
In ~60 days: one workflow captured with deterministic replay, a fairness audit in shadow mode, and a regulator-ready report you could hand to an examiner.
Why now?+
~Half of U.S. states have adopted the NAIC AI Model Bulletin and state regulators are examining AI underwriting today. The EU AI Act classifies AI risk assessment and pricing in life & health insurance as high-risk, with obligations live December 2027. Carriers are liable even for vendor models.
Prove your AI is fair — before the examiner asks.
We're onboarding a small number of carriers and specialty insurers as paid design partners. One workflow, one regulator-ready audit, in 60 days.