# Insurance AI Governance Assessment

A free AI governance assessment for insurance companies. Answer 8 quick questions to receive an AI Governance Grade and a personalized risk report. The tool asks for a work email at the end to deliver results.

## What This Tool Does

The assessment is an interactive 8-question quiz that evaluates how well an insurer's AI systems are tested, monitored, and controlled. From the answers it calculates a letter Governance Grade (A+ through F) with a 0-100 score, places the insurer in a benchmark category, estimates ROI exposure in dollars, and returns tailored recommendations plus a verdict on AI safety posture.

## The 8 Questions (Inputs)

1. **Annual premium volume** (slider): from $50M to $1B+ direct written premium. Estimates the financial scale of AI risk exposure.
2. **Team size**: how many people are responsible for AI testing, trust, or observability, from "just me" to a 25+ person enterprise governance team.
3. **Deployment stage**: prototype/R&D, internal pilot, stalled or in regulatory review, production with limited users, or production at scale.
4. **AI use cases** (select all): claims processing, underwriting automation, policy servicing chatbot, fraud detection, customer onboarding, risk assessment/pricing, agent and broker tools, regulatory reporting.
5. **Testing and monitoring practices** (select all): human-in-the-loop review, ongoing monitoring, pre-deployment evaluation, governance tracking, unit tests, prompt injection testing, jailbreak detection, red teaming, behavioral drift monitoring, audit logging, or none.
6. **AI agent solutions currently in use** (select all): claims agents, customer support chatbots, underwriting assistants, document processing, coding assistants, internal knowledge search, fraud detection agents, quoting/pricing agents.
7. **AI agent solutions you're interested in exploring** (select all).
8. **Lines of business** (select all): P&C personal, P&C commercial, life and annuities, health, workers' compensation, specialty/surplus, reinsurance.

Most questions allow an "other" free-text entry. After question 8 the form collects a work email before showing results.

## What You Get (Outputs)

- **AI Governance Grade**: a letter grade (A+ through F) with a 0-100 score, reflecting overall governance and safety posture. The grade is calculated from four factors: testing completeness, deployment maturity, team coverage, and use-case risk alignment (whether testing matches the risk level of the AI applications in use).
- **Benchmark category**: a label and description, ranging from "AI Trust Leader" (top-tier governance) and "Well-Governed" through "Developing Governance," "Significant Gaps," and "High Exposure," down to "Critical Risk" (no meaningful safeguards in place).
- **AI Safety Assessment**: a written verdict on the insurer's current posture.
- **Tailored recommendations**: prioritized actions (high, medium, low) to close governance gaps.
- **A context-aware next step**: the closing call to action adapts to the inputs, for example unblocking a stalled regulatory approval, adding a safety net for at-scale deployments, or building governance in from the start for early-stage pilots.

Results can be copied as a shareable link or the assessment can be retaken.

## How ROI Exposure Is Estimated

Exposure uses industry benchmarks to approximate AI investment from annual premium volume, then applies a risk multiplier tied to the Governance Grade, an industry modifier, and an adjustment for lines of business. Higher-risk lines such as Workers' Compensation and Health carry a higher modifier (1.25x) than P&C Personal Lines (1.05x); when multiple lines apply, the highest-risk modifier is used.

## AI Governance Assessment FAQs

The page also answers common questions, including:

- What an AI governance assessment is and why insurers specifically need one (claims, underwriting, pricing, and customer-facing AI are subject to state Department of Insurance oversight, fair lending laws, and anti-discrimination rules).
- What the AI Governance Grade measures.
- How ROI exposure is calculated for insurance companies.
- Which AI testing practices insurers should have in place.
- Which AI governance regulations apply, including the Colorado AI Act (impact assessments required for insurance AI decisions by July 2026) and NAIC Model Bulletin frameworks.

## Next Step

Swept AI provides real-time supervision, compliance monitoring, and governance infrastructure for insurance carriers deploying AI in claims, underwriting, fraud detection, and customer operations. [Contact us](/contact).