Insurance Screening
Underwrite confidently. Avoid hidden exposure.
Screen policyholders, brokers, reinsurers, and claims against global sanctions and risk registries before policies bind.
Sanctions risk is embedded in the insurance chain.
Underwriters, brokers, and claims handlers face sanctions exposure at every stage of the policy lifecycle. A single unscreened entity in a reinsurance chain or claims payout can trigger regulatory enforcement and license risk.
Underwriting exposure
Policyholders and their beneficial owners may appear on sanctions lists that change between quote and bind. Static screening at onboarding misses changes during the policy term.
Reinsurance chain risk
Ceded risk passes through multiple counterparties. Each link in the reinsurance chain carries independent sanctions exposure that compounds without systematic screening.
Claims and payout risk
Claims payments to sanctioned entities or their intermediaries can violate sanctions regulations regardless of the policy's screening status at inception.
Structured screening across the policy lifecycle.
CCAI screens entities at every decision point — underwriting, renewal, endorsement, and claims. Each screening produces a structured evidence package with full resolution lineage and cryptographic attestation.
Underwriting screening
Policyholders, beneficial owners, and named insureds screened before policy binding.
Counterparty verification
Brokers, reinsurers, and cedants resolved against OFAC, EU, UN, and configurable lists.
Claims screening
Claimants and payees screened before payout authorization with full evidence trail.
Portfolio monitoring
Continuous re-screening across policy portfolios with delta alerting on status changes.
How it works.
Every insurance entity follows the same deterministic resolution path.
Evidence for every screening decision.
Each screening decision produces a DecisionEventPackage with the complete resolution trace, rules applied, data sources consulted, and cryptographic receipt binding.
Screening in practice.
A marine insurance policy is screened before binding.
Entity: Pacific Maritime Holdings Ltd — policy type: hull & machinery
Policyholder resolved through L1 deterministic match against OFAC SDN
Beneficial owner match via L2 vector similarity (0.91) — linked to designated entity
Decision state: REVIEW — evidence bundle assembled, IA receipt pending attestation
Evaluate insurance screening.
Submit test policyholder and counterparty lists, inspect evidence output, and validate integration against your underwriting workflows.