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HATS — Cyber Insurance

From Self-Reported Controls to Verifiable System State

Related · tier-1 reading. For the evidence chain that supports the claim, see Claims Evidence.

Continuous attestation for cyber insurance. No plaintext exposure. Underwriting and claims inputs backed by cryptographic proof.

Sensitive data is never exposed in plaintext — even during processing by AI systems or automated workflows.

Post-quantum verification for every stage of the policy lifecycle

Underwriting

Replace questionnaires with attested control-state evidence

Claims

Verified system state at time of event — not what was reported after

Broker

Turn constrained accounts into placeable business in under 2 minutes

Four steps. Two minutes. Cryptographic proof.

1

Broker sends Terminal link

A unique, scoped link is generated for the policyholder.

2

Policyholder connects systems

OAuth-based, read-only connections. Takes approximately 2 minutes.

3

HATS produces attested state

Continuous, cryptographically signed control-state evidence.

4

Insurer receives verifiable inputs

For underwriting and claims — backed by post-quantum proof.

Clear boundaries. Clear outputs.

What HATS produces

  • Attested control-state signals across 6 security domains
  • Cryptographic proof bundles (ML-DSA-65, FALCON-512, SLH-DSA)
  • Time-of-event assertions with deterministic state reconstruction
  • Continuous monitoring with fresh attestation at every cycle
  • Hash-only evidence — no raw data, no payloads

What HATS does NOT do

  • Does not underwrite policies or assess risk levels
  • Does not price premiums or determine coverage
  • Does not bind coverage or issue policies
  • Does not adjudicate, approve, or deny claims
  • Does not make any decisions requiring an insurance license

See it in action

Explore how HATS works for underwriters, brokers, and policyholders — or review the trustless verification standard.

HATS produces verifiable control-state evidence. Insurers use it — H33 does not make underwriting or coverage decisions.

Claim → Proof → Verification

Every attestation claim — verifiable by underwriters and brokers.

PQ-Verified →Proof Lab →Verify an artifact →HATS badge →