Adjudicate Claims on Cryptographic Evidence — Not Post-Hoc Reconstruction.
Reconstruct policyholder control state at the exact moment of loss. Verify claims provenance offline. Adjudicate on independently verifiable evidence instead of operator testimony.
Claims Investigation Today Is Post-Hoc Reconstruction.
When a cyber claim, a fraud claim, a D&O claim, or a complex E&O claim arrives, the adjuster's first job is to reconstruct what was actually happening at the moment of loss. That reconstruction depends almost entirely on records the policyholder produces.
Logs, screenshots, IR firm narratives, configuration exports, vendor attestations — all are operator-produced after the event. None can be independently verified to have existed before the event. None can prove that the controls the policyholder declared in the application were actually in place at the moment of loss.
The carrier resolves this ambiguity manually, expensively, and often years after the event. In the worst cases, the controls the policyholder declared weren't there — sometimes by drift, sometimes by misrepresentation, sometimes by an after-the-fact insertion to make the claim payable. Without cryptographic continuity, none of those failure modes is distinguishable from honest, well-controlled operation.
Cryptographic Evidence at Policy Bind. Cryptographic Verification at Claim.
Insurance Claim Replay binds the policyholder's verified control state at the exact moment of policy bind to a 74-byte H33-74 receipt signed under three independent post-quantum signature families. The receipt is the cryptographic baseline. Continuous attestation across the policy period produces additional receipts at every claim-relevant event — control changes, configuration drift, authority delegations, model deployments, deletion events.
When a claim arrives, the carrier's adjuster runs the receipt through the open H33 verifier. The verifier returns either VERIFIED — the controls were in the state attested — or FAILED, with the specific divergence cryptographically identified and the moment of divergence dated. The adjuster adjudicates on verified evidence, not on policyholder testimony.
Cyber · D&O · E&O · Fraud · Crime · Tech E&O · MGA · Reinsurance.
Cyber insurance — was MFA enforced, was the backup immutable, was the rate-limit policy active? Adjudicate against attested state, not post-hoc reconstruction. See the HATS for Cyber Insurance white paper.
D&O (Directors & Officers) — what authority did the board possess at the moment of the disputed decision, what policy framework was in force, what disclosures were made when?
E&O (Errors & Omissions) — was the professional advice given according to the standards represented at engagement time, what model or methodology was used?
Fraud and crime — which authorizations were valid, which were forged, who had standing to approve each transfer?
Tech E&O / AI liability — what AI model was deployed, what guardrails were active, who had authority to bypass them, was the decision authorized at the moment of execution?
MGAs and reinsurance — verified-state portfolios produce stronger ceding and treaty terms.
Lower Adjudication Time. Lower Variance. New Addressable Market.
Across a cyber insurance book, Insurance Claim Replay materially reduces adjudication ambiguity. Verified backups eliminate 50-80% of ransomware-recovery adjudication uncertainty. Verified control state at the moment of event eliminates 60-90% of control-failure-attribution uncertainty. Verified MFA enforcement eliminates the entire class of "was it on or wasn't it" disputes.
Beyond the claims-side savings, Insurance Claim Replay enables underwriting previously declinable accounts. C/D/F-paper applicants whose questionnaire reads ambiguous can now be evaluated on attested control state. The reservoir of trapped premium in that band is substantial. The spread between assumed control state and verified control state is the product.
Plugs Into Existing Workflow. No Client Friction.
Insurance Claim Replay is added at the broker level during policy issuance or renewal. The policyholder deploys the H33 attestation agent on their own infrastructure once. After that, attested control state is continuously produced as a byproduct of normal operation. No additional audits. No additional procurement. No additional operational lift for the broker or the carrier.
Brokers using Insurance Claim Replay can place business their competitors cannot. Activation is the product.
Aligned with NAIC, NY DFS, MAS, EIOPA, DORA, NIS2.
NAIC Insurance Data Security Model Law (MDL-668), NY DFS 23 NYCRR Part 500, NAIC Principles for AI in Insurance, NAIC ORSA, MAS PSN02, EIOPA's Cyber Underwriting Risk discussion paper, and Europe's DORA + NIS2 frameworks all anticipate increasing rigor in cryptographic evidence for insurance operations. Insurance Claim Replay is the cryptographic substrate that satisfies these expectations.
For carriers operating across multiple jurisdictions, Insurance Claim Replay provides a consistent evidentiary substrate that satisfies multiple regulators simultaneously — without requiring per-jurisdiction reporting formats.