About
This workbench reviews a proposed AI use case in insurance operations across governance tier, jurisdiction prompts, remediation guidance, coverage-readiness questions, and stress-test scenarios.
The framework is deterministic. The same inputs always produce the same tier and the same rationale. Every rule that fires is shown on the assessment page so the decision can be traced end-to-end.
Coverage and jurisdiction prompts do not change the deterministic tier. They identify questions that should be resolved with compliance, broker, carrier, coverage counsel, or regulatory support.
Framework v1.2, last updated 2026-04-26. See the Framework page for the full rules, controls matrix, and review matrix.
Sources
- NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers (2023)
- NYDFS Insurance Circular Letter No. 7 (2024)
- Colorado SB21-169 - Restrictions on insurers' use of external consumer data and algorithms
- EU AI Act (Regulation (EU) 2024/1689)
- NIST AI Risk Management Framework 1.0
- ISO/IEC 42001 AI management system standard
- Insurance market movement toward AI-specific exclusions and endorsements
Limitations
- This tool supports, not replaces, qualified legal and compliance review. Not legal advice.
- The framework is hardcoded. Edits require a code change.
- Coverage prompts are not policy interpretation or coverage advice.
- Scenario outcomes are not validated until reviewed by a qualified practitioner.
- The tool does not save submissions. Nothing is logged server-side.
- No authentication. Designed for a single user drafting assessments.