Sector
Insurance
Claims and underwriting decisions an agent can now make alone.
NAIC model bulletin on AI use
State DOI expectations
Professional liability exposure
State DOI expectations
Professional liability exposure
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
| Failure point | What actually happens |
|---|---|
| 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. |
Next step
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.