AI for carriers, from adoption to audit
Swept helps your insurance team adopt AI with confidence, keep it reliable and private, and prove it to examiners. Wherever you are on that path, we meet you there.
How AI adoption takes hold in insurance
Teams that actually use it
We build the confidence for people to use AI on real work, past the natural hesitation of moving on from tools they have relied on for decades.
Leaders who can drive it
We give executives a clear view of what AI does and how to back their team, so support at the top becomes real momentum on the ground.
AI that holds up to examination
Once AI touches underwriting, pricing, and claims, we make it documented and examinable, so everything that ships is ready for regulators.
“A governance framework and a governance program are not the same thing.”
Regional mutual insurance carrier · AI governance engagement
5
Claims agents shipped
5
States monitored daily
L1
Agent autonomy, by design
3 wks
Department rollout
Everything a carrier needs to run AI
Adoption is where most carriers start. The same governed, LLM-agnostic environment powers the rest, so what your team runs and what Swept builds for you is supervised the same way.
Regulators have already responded
Across the country, insurance regulators have moved on AI. Most states now expect carriers to govern AI under the laws already on the books, and to show their work when examined.
Existing laws already apply
Unfair trade practice, unfair discrimination, and rating laws apply to any decision an AI system touches. Regulators are not waiting for new legislation.
A documented program is expected
Carriers are expected to maintain a documented AI governance program covering oversight, risk management, third-party models, and the documentation that proves it.
Examinations want evidence
Regulators increasingly ask for proof that controls were implemented, tested, and enforced: model inventories, validation records, change approvals, and a data-to-decision trail.
Where the NAIC model bulletin has been adopted
25 jurisdictions have adopted the model bulletin and 4 more have insurance-specific AI guidance. Hover a state for details. Status as of April 1, 2026; confirm with each state's department of insurance.
Adopted the model bulletin
- Alaska, Bulletin B 24-01, Feb 1, 2024
- Arkansas, Bulletin 13-2024, Jul 31, 2024
- Connecticut, Bulletin No. MC-25, Feb 26, 2024
- Delaware, Domestic and Foreign Bulletin No. 148, Feb 5, 2025
- District of Columbia, Bulletin 24-IB-002-05/21, May 21, 2024
- Hawaii, Insurance Commissioner Memorandum No. 2025-13A, Dec 10, 2025
- Illinois, Company Bulletin 2024-08, Mar 13, 2024
- Iowa, Insurance Division Bulletin 24-04, Nov 7, 2024
- Kentucky, Bulletin No. 2024-02, Apr 16, 2024
- Maryland, Bulletin No. 24-11, Apr 22, 2024
- Massachusetts, Bulletin No. 2024-10, Dec 9, 2024
- Michigan, Bulletin 2024-20-INS, Aug 7, 2024
- Nebraska, Insurance Guidance Document No. IGD-H1, Jun 11, 2024
- Nevada, Bulletin 24-001, Feb 23, 2024
- New Hampshire, Bulletin Docket #INS 24-011-AB, Feb 20, 2024
- New Jersey, Insurance Bulletin No. 25-03, Feb 11, 2025
- North Carolina, Bulletin No. 24-B-19, Dec 18, 2024
- Oklahoma, Bulletin No. 2024-11, Nov 14, 2024
- Pennsylvania, Insurance Notice 2024-04, Apr 6, 2024
- Rhode Island, Insurance Bulletin No. 2024-03, Mar 15, 2024
- Vermont, Insurance Bulletin No. 229, Mar 12, 2024
- Virginia, Administrative Letter 2024-01, Jul 22, 2024
- Washington, Technical Assistance Advisory 2024-02, Apr 22, 2024
- West Virginia, Insurance Bulletin No. 24-06, Aug 9, 2024
- Wisconsin, Insurance Bulletin, Mar 18, 2025
Insurance-specific AI guidance
- California, Bulletin 2022-5
- Colorado, 3 CCR 702-10
- New York, Insurance Circular Letter No. 7
- Texas, Commissioner's Bulletin B-0003-26
Keep AI audit-ready in production
Once AI is in production, Swept builds the governance infrastructure and turns it into a board-ready Trust Report, so everything your team ships stays defensible.
What the governance foundation delivers
- A board-ready Trust Report that maps every AI system to a defensible governance program
- Every AI interaction logged, every change tracked, every decision reviewable
- Risk appetite, thresholds, and role-based approvals enforced in production
- Audit trails and explainability bundles your examiners can open on request
Monitor
Swept captures inputs, outputs, reasoning, and tool calls across the AI behind underwriting, quoting, policy servicing, fraud checks, and claims, and keeps a live inventory of the models in use.
Evaluate
Every recommendation is tested against underwriting guidelines, claims rules, fraud signals, regulatory policy, and the risk appetite you define.
Control
When a response is out of policy, Swept blocks it, routes it to a human reviewer, or falls back to a safer path, and records every step as evidence.
Where carriers put Swept to work
Claims automation
Identify unsafe or incorrect recommendations, misrouted claims, bad summarization logic, and drift in classification patterns.
Fraud detection workflows
Monitor for false positives, shifting thresholds, and degradation in anomaly-detection behavior across customer cohorts.
Underwriting assistants
Check for divergence from underwriting guidelines, inconsistent risk scoring, or policy-breaking suggestions.
Customer service and FNOL agents
Ensure policy explanations, eligibility checks, and intake guidance stay accurate, compliant, and consistent.
Broker, agent, and adjuster copilots
Guarantee that internal AI tools provide reliable reasoning, follow documentation standards, and respect privacy rules.
Enterprise security designed for carriers
Full data-privacy guardrails
Optional redaction, PII masking, and no logging of sensitive inputs where required.
Audit trails and reporting
Evidence built for compliance, legal, and risk review.
Deployment flexibility
Cloud, VPC, or on-prem to match your enterprise security posture.
Insurance AI resources
Plain-language guides to AI governance, financial examinations, and what regulators actually expect.
What is the NAIC Model Bulletin on AI?
The NAIC Model Bulletin on the Use of AI Systems by Insurers is the template most states use to set AI governance expectations. Here is what it says and why it matters.
ArticleInsurance AI Governance Demands More Than a Checklist
Insurance carriers approve AI at one speed and govern it at another. Until governance becomes infrastructure, that gap will keep producing the failures policies were designed to prevent.
ArticleAI in Financial Examinations: What Regulators Will Ask and What Carriers Must Produce
State insurance examiners are adding AI-specific inquiries to financial and market conduct examinations. Continuous supervision generates examination-ready evidence as a byproduct of normal operations.
ArticleAI Is a Catalyst for Insurance. Governance Needs to Keep Pace.
The insurance industry is adopting AI as a catalyst for transformation. But catalysts without governance create uncontrolled reactions. Insurance needs AI governance that leads adoption, not governance that chases it.
GuideAI in Insurance: Key Regulatory Definitions
The NAIC Model Bulletin defines the terms that carry legal weight, from AI System to Adverse Consumer Outcome to Model Drift. Here is what each one means for carriers.
GuideWhat is an AIS Program?
An AI Systems Program (AIS Program) is the written program the NAIC Model Bulletin expects every carrier to maintain. Here are its four pillars and what each one requires.
Frequently asked questions
We're just getting started with AI. Is Swept only for mature teams?
How does Swept help with AI compliance and examinations?
What does Swept AI do for carriers beyond compliance?
Can Swept run inside our security boundary?
Which AI systems can Swept govern?
How do we get started?
Meet your team where they are
Start with adoption, grow into governance, and expand across the platform on one governed foundation.