Assess, Govern, and Scale AI Decisions in P&C Underwriting and Claims

This storyboard guides clients through a three-phase methodology: establish the AI governance foundation, define AI risk and governance, and build the AI governance roadmap. It helps insurers align stakeholders, define AI decision principles, assess governance maturity, set policy requirements, inventory AI-enabled decisions, score decision risk, define AI authority boundaries, identify required controls, assess scaling readiness, and prioritize roadmap actions.

Use this template to document governance goals; identify gaps in ownership, oversight, risk, controls, and evidence; and confirm the AI decision principles that will guide later risk scoring, authority boundaries, control design, and roadmap planning.

Use this tool to evaluate current and target-state maturity across core AI governance capability areas, including AI guiding principles, organizational structure, risk and compliance, policies and standards, assurance, accountability, and adaptability and resilience. The results identify maturity gaps that must be addressed before AI decision authority expands across underwriting and claims.

Use this template to document purpose, scope, definitions, foundational AI principles, governance structure, lifecycle governance, risk and compliance requirements, and supporting policies and procedures. It is tailored to P&C underwriting and claims workflows where AI may influence pricing, eligibility, fraud detection, claims triage, settlement support, customer communications, and operational decision-making.

This tool translates AI governance into decision-level action. Use it to document AI-enabled underwriting and claims decisions, score risk across financial impact, customer impact, fairness and bias sensitivity, reversibility, and regulatory exposure, confirm where AI can inform, recommend, act within guardrails, or not proceed, identify required control packs and gaps, and determine whether each decision should pilot, proceed with constraints, defer, or be prohibited.

Use this template to summarize key findings, decision principles, maturity gaps, policy requirements, AI decision risk scores, authority boundaries, control gaps, scaling readiness results, and next steps. It provides a structured executive-ready roadmap for prioritizing the governance, risk, control, technology, and operating model actions needed to scale AI decisions responsibly.