why are my insurance agent pilots stalling at the handoff?

need help with multi-agent workflows for insurance - specifically claims intake and FNOL. the read side works. extract data from PDFs, match it against policy terms, flag inconsistencies. no problems there.

but have problem with the action phase. the API surface isn't there, or compliance shuts it down the moment they realize an agent touched anything without a clear decision trail.

anyone else dealing with this in regulated sectors?