Compliance
Surplus lines compliance, AI governance, claims SLA tracking, and DOI readiness — automated from day one. Not an afterthought after the audit.
Surplus Lines
AI classifies insureds under CIC §1760.1: Export List (no search needed), Exempt Commercial Purchaser (net worth >$20M), Commercial Insured (premium >$25K), or Standard (full 3-declination search).
Validates declination records against classification requirements. Notifies brokers of insufficiency. Waits up to 7 days for additional evidence.
AI generates CIC §1764.1 compliant D-1 disclosures. Routes for insured signature. D-2 generated after consent. All documents stored and tracked.
SL-1 and SL-2 filings prepared with AI validation. Tax and stamping fees computed per state. Admin notified with deadline. Annual remittance tracked.
AI Governance
EEOC 4/5ths adverse impact analysis on all AI-assisted underwriting and claims decisions. Grouped by LOB. Failed dimensions trigger immediate notification.
Every adverse action notice includes mandatory CA SB 1229: "AI was used in this evaluation. You have the right to request human review."
Six-pattern regex guardrail blocks jailbreak attempts. PII scanning catches SSN, FEIN, credit card, passport numbers before reaching users.
Every AI call: model ID, prompt SHA-256, tokens, latency, cost. Every decision linked to submission, policy, or claim.
Claims Compliance
Three windows per claim: acknowledgment (15d), accept/deny (40d), payment (30d after acceptance) — per 10 CCR §2695.5(b). Auto-acknowledged on electronic FNOL.
3 days: adjuster notified. Overdue: adjuster + admins. 7 days: compliance milestone. 14 days: counsel escalation triggered automatically.
AI-generated denial letters citing CIC §791, FCRA §615, and CA SB 1229. Includes right to reconsideration, information request, human review, and DOI contact.
DOI Readiness
Full lifecycle — intake, classification, assignment, investigation, response, DOI escalation. AI classifies by category and severity, routes to the right handler, generates response outlines citing CIC §790.03(h).
Complete documentation: all AI decisions with model version and audit logs, bias test results, SL filing history, complaint responses, and CPRA compliance records.