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.
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
Policy servicing — endorsements
Renewal preparation
Billing & payments
Document requests
Cancellation / reinstatement
New business — quote & bind
Customer expansion
AOR / BOR transfer
Carrier communications
Claims first-notice
Commission reconciliation
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 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.
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.