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Adrosaga

Human AI validation for insurance underwriting and claims.

Insurance AI makes consequential decisions — on pricing, claims, and risk — that regulators and policyholders will scrutinise. We help you build the evidence that shows those decisions are fair, consistent, and defensible.

Key regulations and frameworks include: NAIC Model Bulletin (USA) · EIOPA Guidelines (EU) · MAS AIRG (Singapore) · APRA CPS 230 (Australia)

An umbrella sheltering a house, a car and a phone, representing insured property.

The Compliance Challenge:

Insurance regulators across the USA (NAIC), EU (EIOPA), Australia (APRA), and Singapore (MAS) are raising the bar on how carriers must justify algorithmic decisions in underwriting and claims. AI that produces unfair outcomes — even by accident — creates regulatory exposure, legal risk, and reputational damage. Independent, documented validation is quickly becoming something regulators, partners, and enterprise clients expect to see before sign-off.

How Adrosaga Helps

  • Fairness and bias testing on pricing, underwriting, and risk scoring models.
  • Scenario testing for claims AI — what happens when edge cases or adverse inputs hit the model.
  • Demographic parity checks across policyholder groups: age, gender, postcode, ethnicity.
  • Accuracy testing for customer-facing insurance AI — does it refuse or escalate when it should?
  • Internal evaluator testing for underwriting and claims AI where data sensitivity or policy constraints limit external access.
  • Structured data exports for regulatory disclosure requirements.

Regulations and frameworks relevant to Insurance AI

Some regional examples include:

  • NAIC Model Bulletin (USA)
  • EIOPA Guidelines on AI (EU)
  • MAS AIRG (Singapore)
  • APRA CPS 230 (Australia)

Requirements vary by jurisdiction, with US adoption still evolving state by state.

Regulation Library Coming Soon

What practitioners in Insurance are reading.

The latest regulatory developments, practitioner commentary, and industry analysis on AI deployment risk in insurance.

The evidence your compliance team builds on.

Every validation run produces a structured data export — objective, demographic assignment, and findings — delivered as CSV/JSON. Your compliance team maps it to their framework.

We give your team the independent evidence.

Turn AI deployment risk into defensible AI evidence.

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Yes. Adrosaga's tests compare how different demographic groups experience the same AI system.

Adrosaga lets clients share the relevant policies with external contributors, or use an internal staff audience when the material is confidential.

Adrosaga's planned Regulation Library will help identify potentially relevant requirements; clients should confirm obligations with appropriate advisers.

Yes. Adrosaga tests against both external and internal requirements and captures the evidence; certifying compliance is up to you or your consultant.

Yes. Adrosaga can test the full AI-to-human escalation journey.

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