Agentic Governance™ with Authority Finality™ for insurance claims.
Every AI-assisted claims decision — a triage outcome, a fraud flag, a coverage decision, a settlement recommendation, a rejection — mapped to a named claims handler, bound to the obligation it discharges, and signed into an Evidence Pack™ at the moment it happens. The Claims Authority Pack™ is the KYE Sector Pack Foundry™ productisation that lands Agentic Governance™ — every act has authority, every authority has finality — inside FCA Consumer Duty, EU AI Act, UK GDPR, and DORA-regulated insurers.
FCA Consumer Duty, EU AI Act, UK GDPR, DORA — the claims perimeter.
General insurers, life and health insurers, claims TPAs, and insurtech claims platforms running AI agents across the claims lifecycle are inside a named-accountability perimeter — fair-outcome accountability for every coverage and settlement decision, human review of AI-driven adverse actions, and minimised, purpose-scoped handling of claimant personal data. AI-assisted claims operations create disputes if the insurer cannot prove authority, evidence, human review, and contestability.
Better evidence than reconstructed logs — signed at the moment, derivable from public keys alone.
The dominant evidence today is after-the-fact reconstruction. A KYE Protocol™ Evidence Pack™ plus Authority Finality™ outcome bound to the named handler, the policy version, the AI influence state, and the delegation chain is materially better evidence: signed at the moment of the decision and Replay-Proof™ against the published JWKS a regulator, ombudsman, or court can verify offline. KYE™ governs the authority around the model — not the claim outcome itself.
An 8-step pipeline — from AI claims decision to settled record.
The Pack rides the canonical productisation shape: rule pack, dictionary, sector pack, obligation manifest, expert-pack envelope, coverage attestation, SKU row, and this marketing surface. No Foundry-specific framework shape; the protocol evidence layer underneath is identical to every other Pack.
Bound to the canonical insurance claims perimeter.
- FCA Consumer Duty (fair-outcome accountability + fair treatment)
- EU AI Act (human oversight of high-risk AI, Article 14)
- UK GDPR (data minimisation and purpose limitation)
- DORA (operational resilience and evidence)
Regulators of record: FCA / EU AI Office / ICO.