POAW Insurance Portfolio

What is on offer

The filed portfolio

24 claims where agent receipts meet insurance, in US provisional applications with secured priority dates. Five groups: who caused it (model, misconfiguration, user bypass; also across agents) · self-verifying receipts · actuarial data from receipts · parametric cover conditioned on a valid receipt · revocation on tampering.

Reference implementation and demo

Receipt chain, timestamp anchoring, post-quantum signature (ML-DSA-65, a 3,309-byte signature checked by a second, independent implementation), browser verifier, interactive claim demo.

The inventor's time

Hagen Schmidt for a hand-over period: architecture, claim strategy, integration into an underwriting and claims process.

Status, precisely. The applications are filed but not examined; their final scope is decided in examination, and conversion into non-provisional applications is due in 2027. Whether a risk score computed from receipts predicts losses has not been shown; that needs historical claims data. Due diligence can include a retrospective test on your past claims, and we will say so if the score does not predict. Receipts record what happened; they do not prevent it.

The process

Today

Stage 1

NDA · data room · live demo with Hagen · optional retrospective test on your own past AI-related claims.

Before any bid binds

The chain of title from the inventor to the seller is documented in the data room.

Day 60

Binding bids. No price is named in advance; the process sets it.

Stufe 1: Vertraulichkeitsvereinbarung, Datenraum, Live-Demo, optional rückblickender Test. Verbindliche Gebote nach 60 Tagen. Die Rechtekette wird vor jedem bindenden Gebot im Datenraum belegt.

What a bidder needs

A signed NDA, so the data room opens.
A small deal team: patent counsel, an actuary, the owner of the AI risk line.
Optional: a set of past AI-related claims for the retrospective test.
A short note of interest to ip@destill.ai.

Data room — index

Claim extract	24 filed claims where agent receipts meet insurance, with their filing versions; full texts
Chain of title	inventor → applicant → seller, documented before any bid binds
Receipt format specification	open, implementable by anyone (format 2.0.0)
Reference implementation	receipt chain, timestamp anchoring, post-quantum signing (ML-DSA-65), browser verifier
Test evidence	automated checks incl. negative controls; Merkle coverage test for 1 … 233 actions
Open questions, written down	predictive validity of a risk score (not shown), qualified timestamp provider (not yet connected)

Why insurers, why now

Exclusions: optional generative-AI exclusions entered liability forms in January 2026; customers are left uncovered.
Self-declared data: questionnaires, model cards and vendor PDFs are not evidence an insurer can check.
Law: from 9 December 2026 the new EU product liability law covers software including AI, with disclosure of evidence and presumptions where proof is excessively difficult.
Accumulation: one model error can hit cyber, liability and business interruption at once; receipts show which insured runs which model and version.

Sources

Secondary sources are marked as such; primary texts are in the data room.