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AI Liability Insurance
Annex III 5(c): life/health pricing AI = high-risk — NAIC mirror for US market conduct
—NAIC AI Evaluation Tool vote
Regulatory exposure — commonly overlooked:
The insurer examining you uses AI they cannot govern — Exhibit D applies both directions.
Dual exam weapon
Same Exhibit A–D feeds market conduct AND financial exams — compounded findings.
Affirmative vs silent
CG 40 exclusions proliferating — affirmative AI product requires proof infrastructure.
Actuarial Step 3
AI liability unpriceable without behavioral dataset — Velaru asymmetry feed is the missing input.
7 mandate layers (live)
Regulatory Clock
Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.
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Domain Classifier
Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.
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Exhibit / Filing Pack
Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.
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Mandate Registry
Enroll deployers/insureds under vertical-specific governance mandate.
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Bind / Action Gate
ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker.
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Compliance Certificate
Deployer-facing downloadable cert — forward to counsel, auditor, regulator.
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Actuarial / Risk Feed
Anonymized asymmetry signals for pricing, reserving, reinsurance correlation.
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