AI Governance for Insurance
Transform underwriting, claims processing, and risk assessment with AI while ensuring fairness and regulatory compliance. Generate audit-ready evidence for Solvency II, GDPR, and EU AI Act requirements.
~60%
Processing errors caught pre-production
100%
Underwriting decision documentation
Fairness
Continuous monitoring
Multi-state
Regulatory coverage
*Stats represent anonymized 2025 pilot outcomes (n=4). Directional only.
Industry Challenges
Insurance AI faces unique challenges around fairness, explainability, and multi-jurisdictional compliance.
Prove non-discrimination in pricing
Demonstrate that AI-driven pricing models do not unfairly discriminate against protected groups.
Meet Solvency II requirements
Document AI systems as part of Own Risk and Solvency Assessment (ORSA) processes.
Document underwriting decisions
Provide clear explanations for AI-assisted underwriting decisions to regulators and customers.
Handle state-specific regulations
Navigate varying requirements across jurisdictions for AI use in insurance decisions.
KLA Digital Solution
Purpose-built AI governance for insurance workflows and regulatory requirements.
Automated fairness testing
Continuous monitoring for disparate impact across protected characteristics with documented evidence.
State regulatory report generation
Generate jurisdiction-specific compliance documentation for AI-driven insurance decisions.
Underwriting decision documentation
Complete audit trails showing factors, weights, and reasoning behind every underwriting decision.
Claims processing audit trails
Track AI-assisted claims decisions with human review checkpoints and override documentation.
Regulatory Coverage
Pre-configured compliance frameworks for insurance regulations.
Solvency II
Risk management and governance
GDPR
Automated decision rights
EU AI Act
High-risk AI system compliance
State Insurance Laws
US jurisdiction requirements
IDD
Insurance Distribution Directive
Use Cases
AI governance for fair and transparent insurance decisions.
Underwriting Automation
AI-assisted risk assessment with explainable pricing factors and documented decision rationale.
Claims Processing
Automated claims evaluation with human-in-the-loop for high-value or contested claims.
Fraud Detection
AI-powered fraud identification with evidence trails for investigation and legal proceedings.
Customer Risk Scoring
Dynamic risk assessment with fairness monitoring and transparent factor attribution.
Ready to deploy compliant AI in insurance?
Book a demo tailored to your underwriting workflows and regulatory requirements.