MEJEPA / VOL · I · № 03
VERDICT №0003 · INSURABILITY FOLIO
[email protected] · CARRIER-READY
№ 03 — Folio for AI Vendors

Stop letting the security
questionnaire kill the deal.

Enterprise buyers, GCs, insurance underwriters, and procurement teams want proof your AI can be trusted. In five business days, Mejepa returns a signed, underwriter-facing evidence pack — so the questionnaire stops being the chokepoint.

5 days turnaround $3,500–$10,000 per pack SIG-Lite + CAIQ + AI questionnaire ready Carrier-ready language
INSURABILITY PACK · VENDOR=ACME-AI · 2026-05-08T09:30Z PROCUREMENT & UNDERWRITER READY
Pass Output sample review · 50 production outputs · 96% within validated envelope sig 0x9a3f…
Abstain Abstention & escalation policy · documented · audited against SOC 2 CC7.2 sig 0x4c08…
Out of distribution Failure-boundary summary · 4 named regimes · countermeasures documented sig 0x1d77…
Pass Underwriter narrative · Munich Re aiSure template · ready for E&O carrier handoff sig 0x7e21…
§1 THE INSURABILITY PROBLEM

Your enterprise pipeline ends at the "AI questionnaire."

Every Fortune 1000 procurement team now sends one. Every cyber-insurance underwriter pricing your E&O premium asks the same questions. The answers are not in your SOC 2 report. They are not in your model card. They are not in your sales deck.

By Q2 2026, enterprise procurement teams routinely ask AI vendors to demonstrate four things that no SOC 2 audit covers: (1) how the AI behaves at its failure boundary; (2) when and how it abstains; (3) what evidence exists for a single production output; (4) whether the vendor can produce a signed record an underwriter can verify.

Insurance carriers are repricing AI vendor E&O and tech-errors policies around the same axes. Munich Re's aiSure product (Jan 2026) and Mosaic's $15M AI coverage launch (Feb 2026) both require conformal-style operating-envelope evidence and abstention-rate disclosure. Vouch and Embroker are following.

Vendors who cannot answer get one of three outcomes: the deal stalls in legal, the premium gets repriced upward, or the buyer requires a bespoke side-letter the vendor's GC has to negotiate from scratch. All three are deal-velocity killers for a Series A or B AI company.

The Mejepa Insurability Evidence Pack is the artifact your buyer's procurement team and your insurance underwriter both expected to receive — but nobody ships. Five business days. Signed. Verifiable offline.

§2 THE PACK

One AI product. One signed pack. $3,500–$10,000.

Pricing scales with the depth of evidence the buyer or carrier requires. Most Series A AI vendors land at $3,500. Mid-market and regulated-vertical AI vendors typically need the $10,000 tier with carrier-narrative inclusion.

TIER · I

Procurement Pack

$3,500

For Series A/B AI vendors needing to clear enterprise procurement. SIG-Lite + CAIQ + AI-specific questionnaire answers, signed.

  • · 50 output sample review
  • · Failure-boundary summary
  • · Abstention policy
  • · Signed verification samples
TIER · II · RECOMMENDED

Carrier-Ready Pack

$6,500

Adds an underwriter-facing narrative formatted for AI E&O carriers — Munich Re aiSure, Mosaic, Vouch, Embroker, Lloyd's/Beazley.

  • · Everything in Tier I
  • · Underwriter narrative (4–6 pp)
  • · Conformal coverage disclosure
  • · Carrier vocabulary mapping
TIER · III

Regulated Vertical Pack

$10,000

For AI vendors selling into healthcare, financial services, legal, or government. Adds regulator-facing evidence and EU AI Act Article 50 mapping.

  • · Everything in Tier II
  • · Regulator-facing memo
  • · EU AI Act Art. 50 mapping
  • · FRB SR 11-7 fit notes
§3 A REAL PACK

What lands in your buyer's procurement queue.

No form gate to see this. The deliverable is the deliverable.

INSURABILITY EVIDENCE PACK · TIER II · CARRIER-READY PACKET HASH 0x9a3f…d7c1
PDF SECTIONS
§ 1 — Vendor & product summary2 pp
§ 2 — Output sample review (50 samples)8 pp
§ 3 — Failure-boundary summary3 pp
§ 4 — Abstention & escalation policy2 pp
§ 5 — Signed verification examples4 pp
§ 6 — Procurement questionnaire6 pp
§ 7 — Underwriter narrative5 pp
{
  "pack_id":   "mejepa-ip-acme-2026Q2",
  "tier":      "carrier-ready",
  "vendor":    "Acme AI Inc.",
  "product":   "Acme AI Reasoner v3.2",
  "issued":    "2026-05-08T09:30Z",
  "samples":   50,
  "verdicts":  { "pass": 48, "fail": 0, "abstain": 2 },
  "coverage":  0.96,
  "envelope": {
    "in_distribution_rate":  0.93,
    "ood_detection_auc":     0.91,
    "named_failure_regimes": 4
  },
  "carrier_fit": [
    "Munich Re aiSure",
    "Mosaic AI E&O"
  ],
  "ed25519_sig": "0x... (264 bytes)"
}
§4 THE PROOF

Why underwriters accept this.

Insurance underwriters reject vendor self-attestation. They accept independent, signed evidence with named methodology — which is exactly what Mejepa produces.

PRIMITIVE / 01

Frozen instruments

Thirteen calibrated lenses, identical between releases. Same input, same reading — the foundation of any defensible underwriting opinion.

PRIMITIVE / 02

Conformal coverage

Published coverage rate. Abstention behavior is measurable, not asserted. This is the language Munich Re's aiSure already speaks.

PRIMITIVE / 03

Witness chain

Ed25519-signed, append-only. The carrier verifies offline using Mejepa's published public key — no vendor cooperation required at claim time.

Provenance · Built on Teleox.ai

Mejepa is the commercial productization of Teleox.ai — an independent research framework on meaning compression. The 13-instrument panel, conformal guard, and ed25519 witness chain are open-research primitives (Derived Data Abundance + Teleological Constellation Training). Underwriters can cite the methodology.

§5 WHAT WE PROMISE · WHAT WE'RE BUILDING

What ships today. What's on the roadmap.

Procurement and underwriting language only — no marketing adjectives. Today is what lands in your buyer's queue. Tomorrow is what the methodology becomes as carriers price AI E&O at scale.

Today · The promise
  • Named conformal primitiveConformalInterval { lower, upper, coverage_target=0.90, empirical_coverage } with a published 88–92% empirical tolerance band. Not generic "calibration."
  • Falsifiable end-state commitments — OOD AUC ≥0.85, drift detection within 1,000 observations, per-cell ship-gate ≥0.95. Underwriters underwrite named falsifiers.
  • Audited execution traces — a published training-data class — Mejepa's corpus is not web-scraped LLM output. Substantially lower recursion-replacement collapse hazard than synthetic LLM data (§7 of the paper).
  • Operator-controlled hardware — single-node Rust binary; no multi-tenant cloud surface for carrier security review to flag.
  • Published methodology — Zenodo DOI 10.5281/zenodo.19977981. The underwriter cites the paper.
Tomorrow · The vision
  • Underwriter API — live conformal coverage stream the carrier ingests at policy issuance and renewal. Today: static pack. Tomorrow: live feed.
  • AI E&O actuarial baseline — Mejepa-verified vendors become a comparable cohort for industry-wide premium pricing.
  • Verified-by-Mejepa procurement badge — bidder-side trust mark in enterprise sales decks and RFPs.
  • ME-JEPA-Insurance domain pack — purpose-built embedders for underwriting language and abstention semantics, beyond the code-domain instruments shipping today.
Roadmap items are sold as direction, not delivered as features.
§6 FREQUENTLY ASKED

Founders, GCs, underwriters ask. Mejepa answers.

What is an AI Insurability Evidence Pack?

A productized 5-business-day engagement producing the signed evidence enterprise procurement and cyber-insurance underwriters demand: output sample review (50 production outputs), failure-boundary summary, abstention & escalation policy, signed verification examples (ed25519), procurement-ready evidence memo, and a carrier-facing narrative mapped to Munich Re aiSure, Mosaic, Vouch, Embroker, Lloyd's/Beazley. Three tiers: $3,500 / $6,500 / $10,000.

How does Mejepa map to Munich Re aiSure?

Munich Re's aiSure (Jan 2026) underwrites AI performance risk by requiring conformal-style operating-envelope evidence and disclosed abstention rates. Mejepa's named ConformalInterval{lower, upper, coverage_target=0.90, empirical_coverage} publishes coverage in the same statistical language. Tier II adds a 4–6pp underwriter-facing narrative explicitly mapped to aiSure terms and Mosaic's $15M AI E&O coverage requirements.

What is conformal coverage in AI?

A statistical guarantee that a prediction's confidence interval will contain the true outcome with at least a specified probability (e.g., 90%). Mejepa publishes empirical_coverage measured on held-out calibration data with the packet. Underwriters underwrite named, falsifiable metrics. Mejepa's published commitments: OOD AUC ≥0.85, drift detection within 1,000 observations, per-cell ship-gate ≥0.95.

How do AI vendors answer enterprise AI procurement questionnaires?

By Q2 2026 Fortune 1000 procurement teams routinely send AI-specific questionnaires (SIG-Lite + CAIQ + bespoke AI sections) asking about model failure boundaries, abstention rates, per-output evidence, and signed verification chains — questions not covered by SOC 2 or model cards. Mejepa's Procurement Pack ($3,500) bundles the answers as a signed, deliverable document the vendor attaches to the questionnaire response. Carrier-Ready Pack ($6,500) extends to the underwriter at the same time.

How much does an AI Insurability Evidence Pack cost?

Procurement Pack — $3,500 (Series A/B AI vendors clearing enterprise procurement). Carrier-Ready Pack — $6,500 (adds underwriter-facing narrative). Regulated Vertical Pack — $10,000 (adds regulator-facing memo, EU AI Act Article 50 mapping, FRB SR 11-7 fit notes for healthcare/finserv/legal/government). All delivered in 5 business days.

Why is conformal coverage important for AI insurance?

Carriers underwriting AI E&O (Munich Re aiSure, Mosaic, Vouch, Embroker, Lloyd's) reject vendor self-attestation but accept independent signed evidence with named methodology. Conformal coverage is the actuarial primitive: a published probability that a model's prediction interval contains the truth. Without it, underwriters price for worst-case ignorance. With it, premiums are priced against a measurable, falsifiable performance baseline.

Does Mejepa support EU AI Act Article 50 compliance?

Yes, in the Regulated Vertical Pack (Tier III, $10,000). EU AI Act Article 50 — applicable to providers of general-purpose AI models with deployment-time enforcement on 2 August 2026 (deadline subject to Digital Omnibus deferral discussions) — requires machine-readable marking of AI-generated outputs and disclosure documentation. Mejepa's ed25519 witness chain maps directly to the Article 50 marking requirement; Tier III includes the regulator-facing memo for downstream deployers.

§5 NEXT

Send the AI product. We build the pack.

One AI product. One signed insurability pack in five business days. Buyer-procurement-ready, carrier-ready, GC-ready — without your team having to write it from scratch every time the deal asks for it.

INSURABILITY FOLIO · VOL · I · № 03 · [email protected]