Insurer Consumption Guide (VES)

This guide describes how insurers, underwriters, and claims reviewers typically encounter and use evidence exported under conforming implementations of the Veriscopic Evidence Standard (VES). It is intentionally practical and reliance-limited.

What you receive

Evidence Pack (PDF) — a human-readable rendering of exported governance evidence
Integrity declaration — hash algorithm and checksum for verification posture
Evidence index — what categories are present and populated
DPS (where included) — provenance summary of key decisions

What you can reasonably rely on

Integrity and non-tampering of the exported pack since its issuance
Existence of the recorded artefacts at the stated time of export
Predictable structure and consistent section ordering
Version-bound references where present (e.g. document acceptance)

What you should not treat as asserted

Compliance with any law, regulation, or policy
Adequacy or effectiveness of controls
Liability, coverage, causation, or legal sufficiency
Model performance, safety, or technical guarantees (where AI is present)

Typical review flow

Confirm integrity posture — identify checksum and verification method.
Read reliance statement — confirm permitted reliance and explicit limitations.
Scan evidence index — identify which categories are present and populated.
Review DPS (if present) — focus on information state at the time of judgement.
Interpretation remains yours — apply underwriting, actuarial, and legal judgement as normal.

How DPS helps in claims or dispute contexts

DPS is designed to preserve the information state and declared constraints at the time judgement was exercised, reducing hindsight reconstruction.

Where VES sits

Infrastructure, not assurance

VES provides verifiable evidence integrity and predictable structure. It does not provide assurance, certification, or conclusions.