03Industries · Insurance
Submission intake, claims triage and actuarial support under state-level AI conduct rules.
Regimes shaping the control design
- NAIC Model Bulletin on AI
- Colorado SB21-169
- NYDFS Circular Letter No. 7
- EU AI Act
02The constraint
What actually stops the work here.
Underwriting and claims are where AI conduct regulation is sharpest and most fragmented. The NAIC model bulletin has been adopted state by state, with variation, and several states now require a documented governance programme covering every model that touches a consumer outcome. A system that cannot produce its reasoning per decision is not deployable here, regardless of how well it performs.
03Workstreams
Where a pod starts in insurance.
Each of these is scoped to be in production inside one engagement, behind a gate, on a bounded slice of real volume.
Submission intake
Extraction from broker submissions of any format into your rating schema, with low-confidence fields routed to a human rather than guessed.
Claims triage
Severity and complexity routing from first notice of loss, with the factors behind each routing decision recorded at decision time.
Actuarial and reserving support
Assembly of experience data and drafting of reserve commentary, with every figure traceable to the extract and the query that produced it.
Policy servicing
Endorsement and cancellation handling drafted against policy wording, held at a gate for licensed review before issue.
Talk to us
Tell us which of these is on your board’s agenda this quarter.