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Insurance Regulation

Model governance for agent fleets under Solvency II scrutiny

Insurance supervision already has a vocabulary for what CueCrux provides: model governance, own risk assessment, and conduct evidence. When insurers deploy agents in claims triage, actuarial research, or regulatory reporting, those frameworks extend to the agents, and the questions are the same ones asked of any model: what did it do, on what inputs, under whose authority?

CueCrux answers at the level of individual actions. Every agent action mints a signed receipt; every receipt resolves through a passport to who acted, at what tier, under which grants. Claims handling conduct standards become checkable: when a complaint or a thematic review asks how a claim recommendation was produced, the trail replays end to end, including any refusals where policy stopped the agent, each one a signed RefusalReceipt with a reason code.

For the ORSA, an insurer using agent fleets can describe its AI usage with evidence rather than inventory: which agents, doing which verbs, at what cost, with which human gates in the loop. Fleet-wide attribution makes the operational-risk story concrete, and hash-chained logging makes it inspectable years later.