Holding Agents Accountable with Verifiable Agent Insurance

Organizations make claims about their AI agents: a person approves every external email, every action is logged, an evaluation shows the agent is safe to deploy. Article 12 of the EU AI Act requires high-risk systems to allow the automatic recording of events but does not say which records settle a given claim. The position is one sentence: to be checked, a claim about an agent must first name its policy, its scope, the records that would settle it, and who writes them. Adapting the preconditions of an assurance engagement, we call a claim auditable when these elements and a decision rule are fixed before any verdict and the records are obtainable. This extends the Policy Checkability dimension of our Auditable Agents framework from single actions to claims. Agents add three conditions: coverage by an independent record, authorization bound to each action's arguments, and completeness beyond integrity. Under an explicit model, we prove that support is impossible without each wherever its hypotheses hold. A claim-check table applies the method to six common claims, anchored in current NIST, IETF, and OWASP drafts. A worked case follows one claim through five evidence states. We close with a practice box and steps for operators, buyers, auditors, and standard setters.

Giving an AI agent the ability to send emails, query databases, or execute commands is useful--until the agent is tricked into doing something it shouldn't. Prompt injection, hallucinated reasoning, and unsafe tool calls form the primary attack surface for autonomous LLM agents. Existing defenses rely on software checks like system prompts or policy filters running on the same machine the attacker targets, offering no verifiable proof of execution. We introduce Niyam-AI, a framework that makes safety enforcement provable. At session start, permitted tools and constraints are locked into an Intent Contract committed via SHA-256. Every tool call is intercepted and validated by an isolated Judge model; upon passing, a zk-SNARK proof is generated via EZKL. The tool executes only after proof verification, allowing third parties to confirm enforcement without accessing Judge model weights. Evaluating Niyam-AI on 2,000 real-world scenarios from Agent-SafetyBench against NeMo Guardrails, Meta's Llama Prompt Guard 2, and OpenAI's GPT-OSS-Safeguard using 5-fold stratified cross-validation yields an F1 score of 88.5% with a 1.1% false-positive rate (bootstrap 95% CI: [85.19%, 91.88%], N=1000). McNemar's exact paired test confirms significant improvement: Niyam-AI wins 390 discordant scenarios against NeMo (vs 20 losses), 115 against Prompt Guard 2 (vs 13), and 384 against GPT-OSS-Safeguard (vs 19) with p < 0.0001 in all cases. Proof generation adds 2260.6 +/- 218.4 ms per approved action, while verification takes 53.1 +/- 11.8 ms. Niyam-AI provides a guardrail that is both highly accurate and mathematically verifiable--though this reflects a classifier adapted to Agent-SafetyBench evaluated against zero-shot baselines, a distinction discussed in Section IV.C.

LLM agents call tools, query databases, delegate tasks, and trigger external side effects. Once an agent system can act in the world, the question is no longer only whether harmful actions can be prevented--it is whether those actions remain answerable after deployment. We distinguish accountability (the ability to determine compliance and assign responsibility), auditability (the system property that makes accountability possible), and auditing (the process of reconstructing behavior from trustworthy evidence). Our claim is direct: no agent system can be accountable without auditability. To make this operational, we define five dimensions of agent auditability, i.e., action recoverability, lifecycle coverage, policy checkability, responsibility attribution, and evidence integrity, and identify three mechanism classes (detect, enforce, recover) whose temporal information-and-intervention constraints explain why, in practice, no single approach suffices. We support the position with layered evidence rather than a single benchmark: lower-bound ecosystem measurements suggest that even basic security prerequisites for auditability are widely unmet (617 security findings across six prominent open-source projects); runtime feasibility results show that pre-execution mediation with tamper-evident records adds only 8.3 ms median overhead; and controlled recovery experiments show that responsibility-relevant information can be partially recovered even when conventional logs are missing. We propose an Auditability Card for agent systems and identify six open research problems organized by mechanism class.