Northstar Mutual · Fictional company and project. Prepared drafts for human review.
A fictional company for this example.
Northstar Mutual, a fictional P&C insurer, plans an AI-assisted claims-letter pilot for homeowners claims in New York and California. A third-party model receives selected claim-file fields and produces a proposed letter. The product team now proposes sending letters directly without individual adjuster approval. No real claims or customer records are supplied.
C1. During this pilot, AI may draft claims letters only. A licensed adjuster must verify the claim file, coverage rationale, recipient and applicable communication deadline before approving each letter. Store the approved version and approval record. C2. Before using a third-party model, document permitted data, retention, access controls and evaluation results. Direct sending is outside the approved pilot; the claims and compliance leads must decide whether to authorize a revised control design. No authorization is provided in this example.
Fictional internal controls included for this example. They are not your company’s policy.