Swept vs Monitaur
Both are built for carriers, and they govern different things. Monitaur is a system of record for the models you build and buy. Swept is where your people and agents use AI every day, with policyholder data kept inside your walls.
Reviewed Oct 19, 2026 from 6 public sources
Where each one sits
A carrier's AI shows up in four places. Swept covers the three where people and agents touch policyholder data. Monitaur covers the models behind your rating and claims decisions.
Side by side
| Capability | Swept | Monitaur |
|---|---|---|
| Keep your data safe | ||
| Staff use Claude, ChatGPT, Gemini and Copilot, approved and in their native form | Swept Built inThrough a private gateway | Monitaur Not offeredGoverns models; doesn't provide them4 |
| Policyholder data stopped before it reaches a model | Swept Built inChecked on every request | Monitaur Not statedNot described in public materials |
| Alerts when vendor software ships new AI | Swept Built inIncluding features that arrive in an update | Monitaur PartlyThird-party models can be registered and monitored2 |
| Unshackle the full power of AI | ||
| Agents that work with your core systems, without rip and replace | Swept Built inBuilt and run for you | Monitaur Not offered |
| Control costs and optimize ROI | ||
| Caps and budgets by person and team, metered live | Swept Built in | Monitaur Not stated |
| How you pay | SweptOn usage, not seats | MonitaurMulti-year contract tiers, listed publicly3 |
| Governance and supervision | ||
| Governance mapped to NAIC and state requirements | Swept Built in | Monitaur Built inGuidance published on the NAIC evaluation tool6 |
| Audit-ready log of every AI interaction | Swept Built inPlus board-ready reporting | Monitaur Model decisions3 |
| Live AI tracked and checked over time | Swept Built inOngoing supervision | Monitaur Built in2 |
| Avoid vendor lock-in | ||
| Switch AI providers without rebuilding your rules | Swept Built inOne set of guardrails across providers | Monitaur Not applicableDoesn't provide models |
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What each does well
Monitaur
Swept
- The AI tools your people already want, in their native form, with policyholder data kept in.
- Agents that connect to your core systems, built and run for you.
- Pay for usage, not seats, with caps by person and team.
Try one real task: an adjuster drafts a coverage letter from a claim file
With Monitaur
Monitaur isn't the tool the adjuster types into. If the drafting model is registered, Monitaur holds its documentation, validation and monitoring for review.
With Swept
The adjuster uses Claude or ChatGPT through Swept. Policy numbers and health details are caught before the request leaves your environment, and the draft is logged for review.
Questions carriers ask
Is Swept a replacement for Monitaur?
Usually not. Monitaur governs the models behind rating, underwriting and claims decisions. Swept governs how your people and agents use AI day to day. Carriers with a mature model risk program often run both.
We only have a few models. Do we need model governance first?
Start where the exposure is. For many carriers that is staff pasting policyholder data into personal AI accounts, which a model inventory won't catch.
Which one helps more with the NAIC Model Bulletin?
Both map to it, from different sides. Monitaur documents your models. Swept records how AI is used, by whom and with what data. The bulletin asks for both kinds of evidence.
Sources
Public documentation as of Oct 19, 2026. Where something isn't stated, we say so. Monitaur is a trademark of its owner.