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Operating Standard Registry · v0.1 · draft

Insurance work, as open IR.

Every operation an agency, MGA, broker, or carrier performs — published as a signed, versioned task definition. Forkable. Verifiable. Routable. Joule-metered.

230+
Task types
50+
Lines of business
12
Categories
0
Closed marketplaces

What it is

Three properties. One registry.

TaskDefinition IR

Every task is a content-addressed, versioned definition: input schema, output artifact schema, allowed actors, compliance gates, SLA, cost model, audit requirement, E&O principal, joule meter.

Open registry

Carriers, MGAs, agencies, AMS vendors, and RegTech vendors publish task definitions under stable URIs ucg:insurance.<line>.<action>.<version>. Forkable. PR-style governance.

Verifiable execution

Whether the actor is an AI, a licensed human, or an offshore back-office, every execution emits an artifact under the task IR's output schema. Same signing envelope as ais.insuranceos.science.

Task Taxonomy

Twelve categories. One IR.

Every category maps to a stable URI prefix. Each task definition under the prefix is versioned and independently forkable.

Certificate management

ucg:insurance.servicing.coi.*
Examples: issue COI · renewal COI · additional-insured edits
Routing: AI + automation
Artifact: Signed COI PDF + carrier-of-record receipt

Policy servicing — endorsements

ucg:insurance.servicing.endorsement.*
Examples: address change · vehicle add/remove · coverage change
Routing: AI → licensed for premium-bearing
Artifact: Endorsement record + signed audit trail

Renewal preparation

ucg:insurance.servicing.renewal.*
Examples: renewal review (15 sub-tasks) · reshop · remarket · retention call
Routing: Hybrid: AI prep, licensed close
Artifact: Renewal packet + retention ledger

Billing & payments

ucg:insurance.servicing.billing.*
Examples: billing inquiry · payment processing · NSF · installment
Routing: AI + offshore
Artifact: Settlement-ledger entry

Document requests

ucg:insurance.servicing.documents.*
Examples: EOI · declarations · ID cards · loss runs · policy docs
Routing: AI + automation
Artifact: Signed document with delivery receipt

Cancellation / reinstatement

ucg:insurance.servicing.cancellation.*
Examples: cancel notices · reinstatement · NOC
Routing: Licensed
Artifact: State-compliant notice artifact

New business — quote & bind

ucg:insurance.newbiz.quotebind.*
Examples: quote across carriers · bind · onboarding
Routing: Licensed + AI prep
Artifact: Binder + policy issuance receipt

Customer expansion

ucg:insurance.sales.expansion.*
Examples: cross-sell · upsell · account rounding
Routing: Licensed
Artifact: Proposal artifact + activity log

AOR / BOR transfer

ucg:insurance.servicing.aor_bor.*
Examples: letter generation · carrier submission · transition
Routing: Licensed + automation
Artifact: Signed AOR/BOR letter + transition log

Carrier communications

ucg:insurance.carrier_comm.*
Examples: UW requests · doc submissions · status checks
Routing: Hybrid
Artifact: IVANS-shaped event ledger

Claims first-notice

ucg:insurance.claims.fnol.*
Examples: FNOL intake · triage · carrier handoff
Routing: AI triage → licensed
Artifact: Structured loss record (handoff packet)

Commission reconciliation

ucg:insurance.finance.commission.*
Examples: statement parsing · exception flagging
Routing: Automation + offshore
Artifact: Reconciliation ledger with variance entries

Routing Model

Routing is deterministic config. Not a model.

The routing primitive is a three-input rule engine. LLM is bounded to intake triage (call, email, SMS → structured task). Dispatch from there is rule-based — compliance gates determine licensed routing; everything else flows by cost and complexity tier.

  • Inputs: task type, license requirement, complexity tier, cost budget.
  • Outputs: one of ai.deterministic · ai.bounded_llm · human.licensed · offshore.unlicensed.
  • Compliance gate: license required (state × line × premium-bearing) ⇒ licensed actor. Non-negotiable.
  • Audit: every routing decision is logged with rule version, inputs, output actor, and outcome.
intake (call · email · sms)
    │
    │  bounded LLM
    ▼
TaskDefinition (typed)
    │
    │  rule engine
    ▼
┌──────────────────┐
│  license_req?    │── yes ──▶ human.licensed
│  complexity?     │
│  cost_budget?    │── low ──▶ ai.deterministic
│                  │── med ──▶ ai.bounded_llm
│                  │── ops ──▶ offshore.unlicensed
└──────────────────┘
    │
    ▼
signed artifact + audit log + joule meter
Joule Meter

Every task carries an energy cost.

Joules are the natural unit. Compute, audit, signing, storage, and human-time-equivalent are all measured — not estimated. Cost is denominated in energy because every other unit is a derivative of it.

compute_joules
model inference + deterministic step time
signing_joules
cryptographic envelope cost
storage_joules
artifact + audit-trail persistence
human_minutes_joules
licensed/offshore time, converted
Status

v0.1 — draft.

Spec text is CC-BY-4.0. Reference code is Apache-2.0. v1.0 ships when 50 task definitions are published with reference implementations and at least one third-party fork has merged.

Maintained by
InsuranceOS
Substrate
Joule Cloud · ais.transaction.science
Companion specs
ais.insuranceos.science · mcp.insuranceos.science