How HATS works for every persona
Six workflows. One standard. Verifiable control-state evidence from intake through claims — for underwriters, brokers, policyholders, and claims teams.
Underwriting Intake
Instead of relying on self-reported questionnaires that may be inaccurate or outdated, underwriters receive cryptographically attested evidence of actual control states. Evidence is collected directly from policyholder systems through read-only integrations, signed by three independent post-quantum signature families, and delivered as structured proof bundles.
What the underwriter sees
A dashboard of attested control states across six security domains — identity, endpoint, backup, database, email, and infrastructure — with confidence scores and proof verification status for each.
Output
Structured proof bundle with attested control signals, PQ-signed fragments, timestamps, and verification receipts. Ready for integration into existing underwriting workflows.
Renewal Verification
Renewals no longer depend on stale data from the original application. HATS provides fresh attestation at each renewal cycle, capturing the current state of the policyholder's security controls. Changes since the last attestation are surfaced automatically, giving underwriters a clear picture of how the risk profile has evolved.
What the underwriter sees
Side-by-side comparison of previous and current attestation states. Flagged changes, new integrations, and drift from baseline — all cryptographically verified.
Output
Delta report showing control-state changes between attestation periods, with full proof lineage for each signal.
Broker Activation
Brokers generate a scoped Terminal link for each client. The client connects their systems through a guided, 2-minute process. Once connected, HATS produces attested state continuously. The broker receives a complete evidence package that turns previously constrained accounts into placeable business — without chasing spreadsheets or waiting for IT teams.
What the broker sees
A link-generation interface, real-time connection status for each client, and a portfolio view of all accounts with their attestation completeness.
Output
Verified evidence package per account — ready to attach to submissions. Coverage completeness scores and domain-level summaries for each client.
Policyholder Onboarding
The policyholder receives a Terminal link, clicks through a guided flow, and connects their identity provider, endpoint protection, backup, database, email, and infrastructure systems. The entire process is OAuth-based, read-only, and takes approximately two minutes. No forms. No spreadsheets. No manual data entry.
What the policyholder sees
A clean, step-by-step interface. Connect each system with one click. Real-time verification feedback. A completion summary with proof receipt.
Output
A verified session receipt with all connected domains, fragment count, and PQ attestation proof. Continuous monitoring begins automatically.
Claims Reconstruction
When a claim is filed, HATS provides the exact attested system state at the time of the event — not a reconstruction based on post-event interviews or forensic estimates. Every control-state signal is timestamped, PQ-signed, and deterministically reproducible. Claims teams get evidence, not narratives.
What the claims team sees
Time-indexed control-state evidence. MFA status, endpoint coverage, backup recency, encryption state, and infrastructure exposure — all as they existed at the moment of the event.
Output
Time-of-event proof bundle with deterministic state assertions. PQ-signed by ML-DSA-65, FALCON-512, and SLH-DSA. Fully reproducible and independently verifiable.
Portfolio Analytics
HATS provides aggregate views across an insurer's or broker's entire book of business. See verified control-state distribution, coverage completeness by domain, and confidence scoring — all based on attested evidence rather than self-reported data. Identify systemic gaps, track portfolio-wide improvements, and make data-driven decisions.
What the analyst sees
Portfolio-level dashboards showing domain coverage distribution, attestation freshness, confidence scores, and trends over time. Drill down to individual account evidence.
Output
Aggregate analytics reports with verified signal distribution, coverage completeness metrics, and confidence scoring across the entire book.
HATS produces verifiable control-state evidence. Insurers use it — H33 does not make decisions.