Insurance 360 — Outcome Packs¶

Five installable insurance outcomes, each running on the shared AIR certified engine. Built for the CUO, CCO, and CDO who certifies the AI underneath them.

Every pack runs on certified data

This is not a marketing phrase. Each pack's decisions are made on data that has passed through AIR Data (quality-checked, PII-redacted, identity-resolved). That's what makes the outcomes defensible in regulated decisions.

The five packs¶

Pack 01 — Connect360 · Agentic MDM¶

Steward-gated golden records and identity lifecycle: resolve and connect parties across the enterprise.

Domain: Master Data Management
Primary buyer: CDO, Data Platform Lead
Core capability: Entity resolution → deduplication → golden record creation with human steward review gate → identity lifecycle governance
Key differentiator: Transparent where incumbents are hidden. Every merge decision is logged with the evidence that triggered it.
Powered by: AIR Data (Resolve) + Witness

Pack 02 — Clear360 · Underwriting¶

Submission intake, eligibility, exposure, and appetite across Auto, GL, WC, and Property.

Domain: Underwriting
Primary buyer: CUO, Head of Underwriting Operations
Core capability: Three-gate deterministic eligibility (SIC → NAICS → exclusion matrix → vertical appetite → operations check) followed by LLM-synthesized exposure and loss analysis, all traced to governed enCODE chunks
Key differentiator: Every decision is cited to a specific carrier rule version. Not "the model said decline" — "Gate 1 failed: operations exclusion UW-OE-047 matched 'fireworks manufacturing' in business description."
Powered by: AIR Agentic (enCODE) + Witness

Pack 03 — Bind360 · Binding Authority¶

Producer and program eligibility, authority gates, and referral routing so business binds inside authority, every time.

Domain: Binding Authority / MGA Operations
Primary buyer: Head of Delegated Authority, MGA Program Lead
Core capability: BA appetite check → class eligibility → geographic restriction → score gate → coverage gate → authority routing (bind / refer / decline)
Key differentiator: Rules encoded at the program level, not hardcoded in application logic. Appetite changes propagate to the runtime without a deploy.
Powered by: AIR Agentic (enCODE) + Witness

Pack 04 — Adjust360 · Claims Adjudication¶

FNOL, compensability, reserves, and authority gates across WC, Auto, GL, and Property — deterministic, jurisdiction-aware, fully auditable.

Domain: Claims
Primary buyer: CCO, VP Claims Operations
Core capability: FNOL triage → jurisdiction resolution (WC: 50 states; Auto: 51 states/DC) → compensability assessment → reserve calculation → authority gate routing
Key differentiator: Jurisdiction rules live in the governed knowledge repository, not in code. Adding a new state or updating a benefit schedule is a CurationStudio edit, not a developer deployment.
Powered by: AIR Agentic (enCODE) + Witness

Pack 05 — Property360 · Property & Risk¶

Cause-of-loss analysis, exposure scoring, and geographic risk for underwriters and risk engineers, on lakehouse-native data.

Domain: Property Underwriting / Risk Engineering
Primary buyer: Property CUO, Risk Engineering Lead
Core capability: Cause-of-loss classification → exposure scoring by peril → geographic risk overlay → underwriter action recommendation
Powered by: AIR Agentic (enCODE) + Witness

More with partners — in build¶

The shared engine means new outcomes publish faster than the last. Partner packs in design for specific carrier verticals. Reach out to Vinod for current roadmap.

Land · Expand · Compound¶

LAND
  Carriers are buying AIR Data products today (Assure, Shield, Resolve).
  These are budgeted. No new category creation required.
    ↓
EXPAND
  Insurance 360 packs install on the same certified engine.
  The trust layer is already in place — no re-integration.
    ↓
COMPOUND
  Each new pack reuses the certified foundation.
  Marginal cost per outcome drops. Delivery speed increases.