Compliance
Surplus lines compliance, AI governance, claims SLA tracking, and DOI readiness — automated from day one. Not an afterthought after the audit.
Compliance Infrastructure
23 parameterized compliance fields per state. New states ship as config, not code. Filing system, deadlines, tax rates, statutory citations — all driven by a single registry.
Nine regulatory policies and compliance programs — already written, already documented, already tested against live data.
AI Governance Policy
Board-approved framework for responsible AI in underwriting and claims.
Quarterly Bias Testing
EEOC 4/5ths rule applied to PigeonNet outputs across protected classes.
GLBA WISP
Written Information Security Program — data classification, access controls, incident response.
SIU Anti-Fraud Plan
CDI-filed Special Investigations Unit plan with red-flag indicators and referral procedures.
CPRA-ADMT Assessment
Automated decision-making technology assessment — opt-out rights, impact analysis.
Adverse Action Notices
AI-generated denial letters citing CIC §791 and FCRA §615 — compliant and auditable.
SB 1229 AI Disclosure
AI-assisted decision badging on every document — consumers know when AI participated.
7-Year Record Retention
All policy, claims, and compliance records retained per CIC §1071.
Complete Audit Trail
Every AI decision logged with model version, inputs, outputs — explainable, exportable.
The compliance infrastructure other platforms spend years building. Yours from day one.
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.