Automate the workflow.
Not the authority boundary.
Insurance agents increasingly gather evidence, evaluate submissions, prepare decisions and trigger downstream workflows. ProofGrid can make the authority behind those actions explicit and reviewable.
Delegation should narrow at each handoff.
Domain execution and independent safety rules remain with the operating system.
Authority Across the Lifecycle
Workflows change.
Authority travels with the actor.
Insurance workflows move between intake, analysis, servicing and execution. An agent may collect evidence for a claim without acquiring authority to approve a settlement. A system may prepare payment data without authority to release funds. Making those distinctions explicit prevents access to a workflow from becoming blanket authority over its outcomes.
Conceptual Claims Example
A document agent can read.
It cannot settle or pay.
The document agent has no authority to approve settlement, change reserves, issue payment or access unrelated claims. Its identity and document access cannot substitute for a payment grant.
Payment authority was never delegated.
Human and Machine Authority
The agent prepares.
An authorized principal approves.
ProofGrid is not a claims platform or underwriting engine. Its role is to govern and explain who or what had authority for a requested action, under which delegation and policy, and what decision was made.
Prepare
An agent gathers evidence and frames a proposed action.
Approve
An authorized human or principal decides within policy.
Execute
The execution system acts only after the authority check.
Verify
ProofGrid preserves the authority chain and decision evidence.
Insurance Architecture