AI Governance & Compliance for Insurance
Insurance is the rare industry where AI governance is no longer optional guidance: the NAIC model bulletin asks carriers to maintain a written AIS program covering governance, risk management, and vendor oversight, and state DOIs have begun asking for it by name. Add OSFI E-23 expectations for Canadian operations, actuarial standards on models, and unfair discrimination scrutiny, and the question is not whether to govern AI but whether your program will hold up under examination. AI governance for insurance is what we build: the written program, the model inventory, the testing and monitoring regime, and the tooling that generates examination-ready evidence as a side effect of normal operations.
AI Governance & Compliance, built for insurance
We draft or harden your written AI program against the NAIC bulletin's structure, covering governance, risk management, internal controls, and third-party AI oversight.
We build the model and AI system inventory with risk classification, focusing scrutiny on anything influencing rating, underwriting, claims, or eligibility.
We implement testing for accuracy, drift, and outcome disparities, with documented thresholds and escalation paths your compliance team owns.
We stand up vendor AI due diligence, because the bulletin makes you accountable for third-party models you did not build.
Where it pays off in insurance
NAIC-aligned AI program
A written, operational AIS program mapped to the model bulletin, ready for the DOI inquiry that increasingly opens with it.
Model inventory and tiering
A living register of models and AI tools, including embedded vendor AI, classified by consumer impact and regulatory exposure.
Outcome testing regime
Recurring, documented testing on models affecting policyholders, with disparity analysis your actuaries and counsel can stand behind.
Vendor AI oversight
Due diligence and contractual controls for third-party models and data, closing the accountability gap regulators highlight.
Carriers typically stand up an examination-ready AI governance program in one to two quarters, with automated evidence collection that turns a DOI data call from a scramble into a report run.
Insurance AI, answered
The bulletin expects a written program proportionate to your AI use, covering governance structure, risk management, validation and testing, and oversight of third-party AI. Most adopting states examine against it, so the practical bar is a documented program with evidence that it operates, which is exactly what we build.
Yes, and that surprises many carriers. Regulators hold you accountable for outcomes regardless of who built the model, so vendor due diligence, contractual audit rights, and outcome testing on third-party tools are core parts of the program, not optional extras.
With a documented, repeatable methodology agreed with your actuaries and counsel: defined metrics, defined populations, defined thresholds, and an escalation path when results breach them. The point is a defensible record showing you looked, what you found, and what you did about it.
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