Industries

Insurance

For the Chief Underwriting Officer, the Head of Claims, and the Chief Compliance Officer at insurers where a state DOI examination, a class-action filing, or a reinsurance audit will test whether your decisions followed your own manual.

15-20%

Variance in claim acceptance rates from stated policy

Solvency II

2026 amendments require proof decisions follow policy

2-3%

Acceptance rate drift creating $200-300M exposure

The Challenge

The explainability gap

Insurance decisions are increasingly made or informed by complex models. But when a claim is denied or a premium is set, the affected party—and their regulators—want to know exactly why.

"The algorithm determined this" is not a legally defensible answer. You need logic that can be inspected, explained, and proven consistent.

Regulatory pressure points

  • Fair lending and discrimination concerns in underwriting
  • Claims denial explanations that must be specific and traceable
  • Pricing logic that regulators can audit and verify
  • Consistency requirements across similar cases

Every claim, every policy, every premium—each decision carries the weight of potential litigation. The logic must already exist before the question is asked.

The Solution

Auditable logic at every decision point

Underwriting certification

Every underwriting decision traced to explicit criteria, with complete audit trail for regulatory review.

Rate-filing-ready pricing logic

Every factor, every interaction, every override — compiled from the filed rate manual, versioned, and traceable. When the DOI questions a rate, you produce the clause that authorised it.

Claims defensibility

Claims decisions with clear rationale that stands up to legal scrutiny and regulatory review.

Decision logic that survives litigation

When your decisions are challenged, Juris provides the certified, traceable logic that demonstrates exactly why each decision was made—and that it was made consistently.

See how Juris works for insurance

Schedule a demo to see how certified decision logic protects your organization.

Request an Enterprise Demo