Carrier
Owns appetite, wording, oversight and delegated limits.
Insurance workflow
Decision assurance for delegated authority
Delegated authority creates a chain of responsibility across carriers, MGAs, brokers and other counterparties. The decision-state must travel with that chain.
Maintained by VeriscopicLast reviewed 2026-09-24
Definition
The precise question
Delegated-authority decision assurance preserves the authority, limits, conditions, evidence and approvals applicable when a counterparty committed the organisation.
Reference model
From category to independent review
01
Decision assurance
02
Decision evidence
03
VES decision envelope
04
Evidence objects
05
Independent review
The envelope can link model output, runtime records, policy versions, authority records, claims documents, human rationale, external data and approvals while preserving each source's declared limits.
Insurance example
What this looks like in practice
A referral package records the binder version, class and limit, escalation route, applicable conditions, evidence relied upon, approver and resulting commitment.
Evidence map
What a reviewer needs to see
- Binder, schedule, mandate and limit in force at execution
- Referral evidence, exception reason and required approvals
- Counterparty identity, system contribution, human judgement and commitment
The authority-at-execution question
A later role directory or current binder may not describe what applied when the decision was made. The critical question is which authority and conditions were in force at the execution boundary, and how they related to the evidence and approval.
Where the handoff fails
MGA or coverholder
Exercises delegated authority through systems and people.
Broker
Introduces risk and may hold material context outside the binding system.
Reviewer
Needs a portable package that makes the chain intelligible.
Useful implementation boundary
Preserve the relationship and declared limits, but keep proprietary authority-resolution and reconciliation mechanics private. The public standard should remain implementation-neutral.
The VES connection
A published evidence structure
VES 1.2 treats authority records as first-class Evidence Objects and links them to the decision envelope rather than assuming a role title proves authority.
Read VES 1.2 for the published Decision Envelope, Evidence Object and verification model.
Boundary
A VES-shaped record does not resolve every legal or contractual question about authority. It records the declared mandate, relationship and limitations for independent review.
Frequently asked
What does decision assurance for delegated authority address?
Delegated-authority decision assurance preserves the authority, limits, conditions, evidence and approvals applicable when a counterparty committed the organisation.
Does this establish that a decision was correct or compliant?
A VES-shaped record does not resolve every legal or contractual question about authority. It records the declared mandate, relationship and limitations for independent review.