Why underwriters ask about it
"AI drafts, human approves, AI sends" and "AI sends alone" are different risk classes. Quotes, prices, and health or legal statements sent unreviewed are the expensive kind.
How to fix it
- List the message types that commit you to something: quotes, prices, refund promises, appointment guarantees, anything medical or legal.
- For those types, switch the agent to draft mode — a person approves before it goes out. Everything else (hours, directions, FAQs) can stay automatic.
- Write the split into the authority sheet.
Evidence to keep
the reviewed-types list and the tool setting that enforces it.