AI underwriting without
governance is just
automated risk.
Insurers use AI agents for claims processing, underwriting, fraud detection, and customer service. TapPass ensures policyholder data stays protected and every AI decision is auditable.
Why insurance AI needs governance now
The EU AI Act specifically targets automated insurance decisions. Your agents handle health records, financial histories, and life events.
Policyholder PII in LLM calls
Claims processing agents send medical records, income statements, and policy details to external LLMs. GDPR requires the highest protection.
Unexplainable AI decisions
EU AI Act Art. 14 requires human oversight for AI in insurance. When your underwriting agent rejects an applicant, you need a full audit trail.
Claims fraud injection
A fraudster submits a claim with hidden instructions that manipulate your AI's damage assessment. Fraudulent claim approved.
Model drift in risk scoring
Your scoring agent gradually shifts classification after a model update. Loss ratios spike three quarters later.
Cross-policy data leakage
An AI agent processing both life and health insurance uses health data to influence pricing. Discrimination and regulatory risk.
Unbounded AI processing costs
Claims agents making hundreds of LLM calls per case. Processing costs eat into margins with no visibility.
Runtime governance for insurance AI
Full-stack governance for every AI agent in your insurance operations.
Policyholder data protection
Detect and redact policyholder PII, medical records, financial data, and claim details before reaching the LLM.
- Obfuscation-resistant detection
- PII tokenisation for accuracy
- GDPR Art. 9 special category handling
Decision audit trail
Every underwriting decision, claims assessment, and risk score is logged in a hash-chained audit trail.
- EU AI Act Art. 12 compliance
- Per-decision data classification
- SIEM export for compliance
Human approval gates
Require human sign-off for claim approvals above threshold, cancellations, and underwriting decisions.
- Configurable approval thresholds
- Break-glass for urgent claims
- Approval decisions in audit trail
Drift detection
Statistical signals detect when your risk-scoring agent changes behaviour. Catch regressions before they hit loss ratios.
- Classification distribution monitoring
- Automated canary tests
- Behavioural pact enforcement
Claims fraud defence
Scan incoming documents for injection attacks before your AI processes them.
- Indirect prompt injection detection
- Document taint tracking
- Exfiltration path detection
EU data sovereignty
Force all policyholder data to EU-hosted LLM providers. Self-hosted deployment for maximum control.
- Classification-based routing policies
- EU-hosted provider support
- Self-hosted, zero data leaves your infra
Underwrite AI risk the same way you underwrite everything else.
Full governance pipeline. Audit every AI decision. EU regulation ready.