The Agent-Mediated Insurance Standards.
An open standard for how an AI agent quotes, compares, discloses and binds an insurance policy. Published openly and free to build on, stewarded by Marrow on behalf of the working group.
Read the standards
The Agent Mediated Insurance Standards are live as a dated working draft. The public comment window opens 29 September 2026.
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Why the channel needs a standard.
Insurance cannot ride generic commerce rails alone. Lawful data use, mandatory disclosure, suitability and conduct all have to be enforced inside the flow. Without a shared standard, every agent and carrier builds its own version, the protection a customer gets depends on whichever integration they happen to use, and there is no consistent basis on which the channel can be supervised. One open standard fixes that.
What the standard defines.
A canonical request and response for each line, currently motor, home, SMB and travel, and the shared conduct rules beneath them: consent and authority, disclosure, suitability, and audit. It defines the interface, not the underwriting. A carrier maps its products once; everything behind that boundary stays theirs.
Built for a channel that must be supervised.
We believe agent-mediated insurance has to be an accountable, supervised channel, not a free-for-all. So compliance is built into the standard and enforced by the platform: every quote grounded in authoritative data, every disclosure surfaced and recorded, every transaction captured in an immutable audit trail, designed around existing insurance conduct rules and UK GDPR. Today, Marrow operates alongside regulated carriers, who hold the permissions for the products they sell. As the channel matures, we are putting in place the authorisations to carry more of that responsibility directly.
Help shape the next release.
We are seeking leading insurers to co-author future versions, challenge the draft, and signal adoption.