--- title: "Allianz: the 360 check | Agent Ready Checklist" description: "Allianz on Ora's agent-readiness scan, read 2026-11-09: 23 of 100, grade F. 2 of 20 checklist rows met, 13 not met. One company a day." canonical: https://agentreadychecklist.com/blog/allianz-agent-readiness site: "Agent Ready Checklist" last_updated: 2026-11-09 date: 2026-11-09 section: "360 checks" --- # Allianz: the 360 check | Agent Ready Checklist > Allianz on Ora's agent-readiness scan, read 2026-11-09: 23 of 100, grade F. 2 of 20 checklist rows met, 13 not met. One company a day. Source: https://agentreadychecklist.com/blog/allianz-agent-readiness Site: Agent Ready Checklist Last reviewed: 2026-11-09 Agent endpoints: https://agentreadychecklist.com/llms.txt (index), https://agentreadychecklist.com/openapi.json (API), https://agentreadychecklist.com/mcp (MCP server), https://agentreadychecklist.com/ask (search) Access: https://agentreadychecklist.com/auth.md (no key). Pricing: https://agentreadychecklist.com/pricing.md (free). # Allianz against the checklist: the 360 agent-readiness check 360 check, 9 November 2026. Allianz is Europe's largest insurer, based in Munich. Allianz scores 23 of 100 on Ora's agent-readiness scan, an F, read 9 November 2026. At the door, bot management challenged ChatGPT-User, OAI-SearchBot, PerplexityBot. 2 of the 20 checklist rows with an Ora check are met. A welcoming robots.txt in front of a door that challenges the agents it names. On 9 November 2026 the public site at allianz.com scored **23 of 100** on [Ora's](https://ora.ai/?utm_source=agentreadychecklist.com&utm_medium=referral&utm_campaign=check) agent-readiness scan, an F. Ora probes a site the way an agent would: it requests pages with the agents' own user agents, reads robots.txt, looks for the files agents read, and tries the API, MCP and payment surfaces. Below, each of the 31 checklist rows is read against the Ora checks the [crosswalk](https://agentreadychecklist.com/checklist/ora-checks/) names for it, so the result says which requirements this company meets, not only how many points it scored. Ora's one-line summary: Turns agents away at the door: the homepage is blocked by a WAF, and there is no OpenAPI spec, developer portal or OAuth support. ## The score | Layer | Points | Share | What the layer asks | | --- | --- | --- | --- | | Discovery | 10 of 14 | 71% | Can agents find and recommend it | | Access | 2 of 52 | 4% | Can agents read it | | Usability | 8 of 58 | 14% | Can agents use it | | Payments | 0 of 0 | none apply | Can agents pay | | Total | 23 of 100 | 23% | Grade F | ## Row by row A row is met when every Ora check the crosswalk names for it passes, not met when every one fails, and partly when the checks disagree or one is partial. A row with no Ora check in the catalogue, or whose checks did not apply to this site, is marked as such; the [Verify Kit](https://agentreadychecklist.com/kit/) tests those by hand. | Row | Level | Result | Ora checks, and what Ora saw | | --- | --- | --- | --- | | AR-FIND-01; Do not block agents | MUST | Partly | robots.txt AI crawler policy (pass), robots.txt agent-user policy (pass), Agent crawler reachability (partial), Not blocked by bot detection (partial).; AI search crawlers: allowed in 3 of 3 checks (3 crawlers on 1 page). AI training crawlers: allowed in 2 of 2 checks (2 crawlers on 1 page), not scored. | | AR-FIND-02; Answers on one first-party page | SHOULD | No Ora check | No check in Ora's catalogue names this row. | | AR-FIND-03; Sitemap listed in robots.txt | SHOULD | Not met | Sitemap exists (fail).; No sitemap found | | AR-FIND-04; AI Catalog at .well-known | MAY | Not met | AI Catalog discovery (not applicable), ARD discovery (fail).; No /.well-known/ard.json, no same-site rel="ard" link, and no legacy /.well-known/ai-catalog.json | | AR-READ-01; Answer in the initial HTML | MUST | Partly | Content without JavaScript (partial).; Homepage blocked by WAF/security challenge - content not accessible to agents | | AR-READ-02; Real HTTP status codes | MUST | No Ora check | Redirect hygiene (not applicable). | | AR-READ-03; Home page with real links | SHOULD | Partly | Public API/docs linked from homepage (partial).; Homepage blocked by WAF - cannot check for docs links | | AR-READ-04; Docs that answer agent tasks | SHOULD | No Ora check | No check in Ora's catalogue names this row. | | AR-READ-05; Fenced, language-tagged code | SHOULD | No Ora check | Code fence validity (not applicable). | | AR-READ-06; Link the discovery files | SHOULD | No Ora check | No check in Ora's catalogue names this row. | | AR-READ-07; Ship llms.txt | SHOULD | Not met | llms.txt exists (fail), llms.txt formatting (fail), llms.txt links resolve (not applicable).; No llms.txt found at /llms.txt or /.well-known/llms.txt. | | AR-READ-08; JSON-LD on key pages | SHOULD | Partly | JSON-LD structured data (partial).; Homepage blocked by WAF - cannot check structured data | | AR-READ-09; Advertise a markdown mirror | MAY | No Ora check | Markdown alternate link (not applicable). | | AR-READ-11; Pricing as first-party HTML | SHOULD | Not met | Pricing info accessible (fail).; No pricing page or pricing data found | | AR-ACT-01; Auth an agent can finish | SHOULD | Not met | OAuth 2.0 support (fail), Scoped permissions (fail).; No OAuth 2.0 or OpenID Connect support detected | | AR-ACT-02; OpenAPI contract | SHOULD | Not met | OpenAPI spec published (fail).; No OpenAPI/Swagger specification found | | AR-ACT-03; MCP over Streamable HTTP | SHOULD | Not met | MCP server / manifest (fail), Listed in MCP registries (not applicable), MCP PKCE S256 support (not applicable), MCP OAuth metadata (not applicable).; No MCP server or manifest found | | AR-ACT-04; MCP server card | MAY | Not met | MCP server-card.json (fail).; No MCP server card found (checked /.well-known/mcp/server-card.json, the site's ai-catalog.json, servers[].card in mcp.json, and /server-card) | | AR-ACT-05; MCP Apps view | MAY | No Ora check | MCP Apps support (not applicable). | | AR-ACT-06; SDKs and a CLI | SHOULD | Partly | CLI tool available (fail), Multi-language SDK packages (partial), NPM/PyPI SDK package (pass).; No CLI tool found | | AR-ACT-07; WebMCP tools | SHOULD | Not met | WebMCP support (fail).; No WebMCP support detected - no document.modelContext / navigator.modelContext usage found | | AR-ACT-08; Agent payments | MAY | No Ora check | x402 payment protocol (not applicable), MPP payment protocol (not applicable), UCP - Universal Commerce Protocol (not applicable), ACP - Agentic Commerce Protocol (not applicable), ACP delegate payment (not applicable). | | AR-ACT-09; NLWeb /ask endpoint | MAY | Met | NLWeb /ask endpoint (pass).; NLWeb /ask endpoint exists but requires authentication (HTTP 403, via GET) | | AR-ACT-10; An MCP server or a CLI | MUST | Not met | MCP server / manifest (fail), CLI tool available (fail).; No MCP server or manifest found | | CF-CONTENT-SIGNALS; Content-Signal line | cloudflare | No Ora check | No check in Ora's catalogue names this row. | | CF-MARKDOWN-NEGOTIATION; Markdown by Accept | cloudflare | Not met | Markdown content negotiation (acceptmarkdown.com) (fail), Markdown agent docs (fail).; Homepage https://allianz.com does not meet the Markdown negotiation requirements: Accept: text/markdown returned text/html; charset=utf-8; Vary header missing Accept (got "accept-encoding") | | CF-PAY-PER-CRAWL; Pay per crawl, HTTP 402 | cloudflare | No Ora check | No check in Ora's catalogue names this row. | | CF-OAUTH-DISCOVERY; OAuth discovery files | cloudflare | Not met | OAuth Protected Resource metadata (RFC 9728) (fail).; No /.well-known/oauth-protected-resource found (RFC 9728) | | CF-AGENT-SKILLS; Agent Skills index | cloudflare | No Ora check | Agent Skills index conformance (v0.2.0) (not applicable). | | VERCEL-NEGOTIATION-HEADERS; Markdown headers | vercel | Not met | Markdown content negotiation (acceptmarkdown.com) (fail).; Homepage https://allianz.com does not meet the Markdown negotiation requirements: Accept: text/markdown returned text/html; charset=utf-8; Vary header missing Accept (got "accept-encoding") | | VERCEL-ROBOTS-EXCLUSIONS; Robots exclusions | vercel | Met | robots.txt AI crawler policy (pass), robots.txt agent-user policy (pass).; AI search crawlers: allowed in 3 of 3 checks (3 crawlers on 1 page). AI training crawlers: allowed in 2 of 2 checks (2 crawlers on 1 page), not scored. | ## The fixes worth most points Ora attaches an estimate to each failing or partial check: how many points the site would gain by passing it. These are the 5 with the largest estimates for Allianz, each tied to the checklist row whose recipes cover it. Developer resource discoverability Fail, 0 of 3, about 4.8 points to gain. Ora saw: In a search for your API docs, none of the 10 results is your official docs. No checklist row names this check. MCP server / manifest Fail, 0 of 6, about 4.6 points to gain. Ora saw: No MCP server or manifest found. Row [AR-ACT-03](https://agentreadychecklist.com/checklist/ar-act-03/), MCP over Streamable HTTP. OpenAPI spec published Fail, 0 of 7, about 4.5 points to gain. Ora saw: No OpenAPI/Swagger specification found. Row [AR-ACT-02](https://agentreadychecklist.com/checklist/ar-act-02/), OpenAPI contract. Developer portal Fail, 0 of 6, about 3.8 points to gain. Ora saw: No developer portal found. No checklist row names this check. OAuth 2.0 support Fail, 0 of 5, about 3.8 points to gain. Ora saw: No OAuth 2.0 or OpenID Connect support detected. Row [AR-ACT-01](https://agentreadychecklist.com/checklist/ar-act-01/), Auth an agent can finish. ## Our read Allianz is the case the checklist's door rows exist for. robots.txt reads as welcoming, with the AI search crawlers allowed on three of three checks and the training crawlers on two of two, yet the bot management in front of the site challenged ChatGPT-User, OAI-SearchBot and PerplexityBot, so the policy file promises what the edge refuses. Everything downstream inherits the block: Ora could not read the home page, could not check its structured data and found no sitemap. The one surface it did reach is a GraphQL endpoint at allianz.com/graphql, which answers but requires authentication for introspection, and that is where an F with an open door would have started to climb. Europe's largest insurer has a developer story somewhere; none of it is visible from the public domain, and an agent turned away at the first request never gets to look. ## Verify your own site The scan above is free and needs no account: enter a domain at [ora.ai](https://ora.ai/?utm_source=agentreadychecklist.com&utm_medium=referral&utm_campaign=check) and read the same four layers for your own site, then take each failing row to its recipe on this site. The command below runs the same audit from a terminal and exits with 1 under the score you set, so it can gate a deploy. Payments did not apply to this company; a site that sells is read on that layer too. [Why Ora, and its limits](https://agentreadychecklist.com/verify-with-ora/). ```bash npx ax@0.10 audit https://example.com --min-score 70 ``` [All 360 checks](https://agentreadychecklist.com/blog/), one company a day. Corrections to [the corrections page](https://agentreadychecklist.com/corrections/). ## Sources - [ora.ai/api/score/allianz.com, Ora's scan (vendor)](https://ora.ai/api/score/allianz.com?utm_source=agentreadychecklist.com&utm_medium=referral&utm_campaign=check)read 2026-11-09 - [ora.ai/api/checks, contract 1.38.0 (vendor)](https://ora.ai/api/checks?utm_source=agentreadychecklist.com&utm_medium=referral&utm_campaign=check)read 2026-11-05 - [allianz.com, the company's site](https://www.allianz.com/)read 2026-11-09 Edition Data 2026-11-04 Reviewed 2026-11-05 Spec AgentReady v2.0, 273d2d7 Crawl 13,071 rows, 2026-11-04 Ora 132 checks, contract 1.38.0, 2026-11-05 Verify with Ora The scanner this site recommends for the whole checklist. 132 checks, a score out of 100, no account. `npx ax@0.10 audit --min-score ` [Why Ora, and its limits](https://agentreadychecklist.com/verify-with-ora/) Method - [How rows, commands and rates are made](https://agentreadychecklist.com/method/) - [How an Ora check is matched to a row](https://agentreadychecklist.com/checklist/ora-checks/) - [Pass rates by rank band](https://agentreadychecklist.com/data/by-rank/) Sources and read dates sit at the foot of the page. Last reviewed 2026-11-09. AgentReady v2.0, read 2026-11-04.