Can’t sign off
An underwriting or pricing model whose decisions you can’t justify for fairness
What we assure in insurance
Assure underwriting, claims, fraud and customer-facing AI workflows.
What you can’t sign off
The decisions a model now makes for you.
Where a model decides a premium or denies a claim, explainability isn’t optional.
The regulatory picture
Who you answer to.
IRDAI expectations on fair and explainable decisioning, the EU AI Act’s treatment of insurance risk-assessment as high-risk, and anti-discrimination obligations on models that price or underwrite.
Explainability isn’t optional where a model decides someone’s premium or denies their claim.
What Qapitol assures
We map the AI across underwriting, claims and fraud, surface what can’t be defended for fairness and accuracy, and build the controls and evidence that make each decision explainable.