InsurTech MGAs & digital underwriters
An MGA holds no balance-sheet capital: the business runs on a fronting carrier and a reinsurance panel. Their model-governance questions now arrive ahead of renewal, and the answers influence capacity, ceding terms and whether the programme continues.
The forcing function
The NAIC's AI model bulletin has been adopted in roughly twenty-five states, NY DFS Circular Letter No. 7 governs insurer use of AI and external data in underwriting and pricing, and Colorado's insurance regime requires annual AI compliance reporting for auto and health carriers from July 2026. Examiners look through vendor and MGA relationships: the carrier answers for your models, so the carrier interrogates your models.
A reinsurer's version of the same question is actuarial. If automated rating, damage estimation or claims triage is drifting, it appears as loss-ratio deterioration and claims leakage, compounding across the portfolio and priced into your next treaty as soon as they suspect it. Stable loss ratios to date are not evidence that the models behind them are stable.
Few MGAs at $10M–$50M GWP carry actuaries or quants specialised in machine-learning drift. The capacity panel knows this, which is why it asks for independent evidence rather than a self-assessment.
What the panel asks before renewal
What governs the model that sets price: versioned releases, documented bounds, and a record connecting each quote to the rule set that produced it.
Drift in triage and estimation models erodes the loss ratio gradually, through small over-payments. The panel wants to see the instrument that would detect it.
Every individual decision can pass its check while the aggregate drifts into a concentration the treaty never priced. Accumulation is a set-level property, and only set-level monitoring can measure it.
Evidence produced by the team being validated is a conflict, and the panel treats it as one. Independence has to be structural: an instrument, a measured bound, a verifiable record.
Why this passes review
A report from an unfamiliar vendor is a career risk for whoever accepts it. Triodian removes the dependence on reputation: every output a governed system emits carries a signed conformance record bound to a versioned rule set, and your fronting carrier's or reinsurer's review team can check that record independently, without dashboard access and without contacting us.
The capabilities behind it are shipped and badged deliverable now on this site: Structured Output Assurance, Bounded Command Governance, the Certifiable Conformance Pack, the Aggregate Drift Service and the Certified Miss-Rate.
Production proof: the governed-reasoning engine and provenance ledger behind these artefacts already run pinpole.cloud, a live commercial platform, at scale.
The first step
A 90-minute structured interview with your risk and engineering leads. The assessment requires no system access, log export or InfoSec review, so nothing about it needs your security team's approval.
Within 7–14 days you receive a Diagnostic Gap Report covering model architecture, data provenance, evaluation pipeline, runtime controls and aggregate-drift exposure, mapped to your carrier's or reinsurer's validation request. It identifies the gaps the panel's reviewers is most likely to raise, so you can close them before the review begins.
| Fee | A$7,500 / US$5,000, fixed |
| Cycle | 7–14 days, interview to report |
| Access | None (interview only) |
| Credit | 50% creditable against the Evidence Pack within 45 days |
The assessment fee is shown in both AUD and USD. Later stages are shown in AUD; US engagements are quoted from the USD price book.
Where it leads
A$35,000 · rating + fraud + triage
One audit-grade Evidence Pack covering up to three pipelines, matching the rating, fraud and claims-triage stack most digital underwriters run, addressed to your carrier or reinsurer and built from offline log exports. No production access and no InfoSec cycle.
What underwriters monitor on →A$25,000 sprint + A$5,000/mo per stream
Continuous set-level governance over each underwriting and claims stream, with a Certified Miss-Rate bound, monthly compliance certificates and an audit-ready drift dossier, giving you a standing answer for every future renewal.
The Aggregate Drift Service →