Insurance
Claims and underwriting decisions an agent can now make alone.
The problem in one sentence
An agent that adjusts a reserve, declines a claim or prices a risk has made a regulated decision. The obligation attaches to the decision, not to the tool that made it.
Where it breaks
Adverse action
If an agent contributes to a declination, someone has to be able to explain it in the terms the regulator expects — after the fact, from evidence.
Unfair discrimination
Proxy discrimination through agent-selected features is the exposure that survives every fairness dashboard.
Delegated authority
Underwriting authority is a well-understood legal concept. Almost nobody has mapped it to a non-human actor.
Producer conduct
Customer-facing agents make representations. Air Canada settled the question of who owns those.
The Insurance regime references above are checked against their primary sources on an ongoing basis. Instruments move — several cited here changed inside the last year — so verify against the source before you rely on one. If you find something stale, tell me and I will correct it.
If any of this is live for you
The fastest route is a conversation. Bring the architecture you are worried about — the first useful thing usually surfaces inside twenty minutes.