🛡️ archetype: insurance

Ship insurance products across 50 states without filing burnout.

Building with ACORD standards, NAIC schemas, Guidewire, Duck Creek, or doing P&C / life / health / reinsurance? GreatCTO auto-detects the insurance archetype and ships NAIC 50-state filing matrix, Solvency II, IFRS 17, ASOP 41/56 actuarial audit, and anti-discrimination pricing analysis from day one.

$ npx great-cto init Back to home ↗
What you avoid

The 5 insurance bugs that kill at IPO due-diligence.

Without GreatCTO

  • ☐Pricing model uses ZIP code — disparate-impact discrimination, CA bans
  • ☐Actuarial model not auditable — ASOP 56 violated, regulator pulls license
  • ☐NY in scope — 23 NYCRR 500 cybersecurity controls missing
  • ☐Solvency II SCR calc not reproducible — supervisor review fails
  • ☐Claims fraud detector — false-positive rate 30%, adjuster fatigue
  • ☐State license suspended · IPO blocked · $10M fine.

With GreatCTO

  • ✓insurance-reviewer maps state-by-state filing matrix at gate
  • ✓ASOP 41/56 auditable model documentation auto-generated
  • ✓NYDFS 23 NYCRR 500 controls implemented in CI
  • ✓Solvency II SCR calc reproducible — versioned data + assumptions
  • ✓Disparate-impact analysis on every pricing model change
  • ✓50-state-ready · audit-clean · IPO-due-diligence proof.
Auto-applied gates

Detected: acord-standards + naic-schemas or README mentions underwriting / premium / claim →
insurance archetype.

Compliance auto-suggested: naic · solvency-ii · ifrs-17 · gdpr · ccpa · anti-discrimination-pricing · actuarial-asops · state-doi. Specialist agents activated:

01 · insurance-reviewer

NAIC + Solvency + actuarial

NAIC 50-state filing matrix · Solvency II SCR/MCR · IFRS 17 contract measurement (GMM/PAA/VFA) · ACORD message validation · ASOP 41/56 model documentation · disparate-impact pricing analysis · bordereau reporting for reinsurance.

02 · regulated-reviewer

NYDFS + state cybersec

NY 23 NYCRR 500 specific controls · NAIC Cybersecurity Event Notification Model #672 (30+ states adopted) · DPA chains for cloud-deployed carriers.

03 · security-officer

Claims fraud + PII

Network analysis for claim rings · velocity checks · document forgery detection · NICB integration · PII handling for insureds + claimants.

04 · ai-security-reviewer

AI in pricing/claims

AI-driven underwriting auditability · explainability per consumer right · bias on protected classes · adverse-action notice generation when AI denies a claim or quote.

Domain pack overlays

Likely to overlay on insurance.

Packs auto-attach when CLI detects pack-specific signals (e.g. twilio in deps → voice-pack). Each pack adds its own reviewer agents + human gates on top of the base archetype pipeline.

+ Lending/Credit
ECOA / Reg B, FCRA, NMLS state matrix, MLA, BISG fair-lending
+ EM Fintech
India DPDP, Nigeria CBN, Brazil BCB/LGPD, MAS, OJK, BSP, local rails
Real-world examples

Companies operating as insurance.

8 startups in this space. Click for full pack mapping.

Hippo
Modern home insurance
publicUS
Lemonade
AI-first home + renters insurance
publicUS
Coalition
Cyber insurance + security
growthUS
Embroker
Tech industry insurance
growthUS
Next Insurance
Small business insurance
growthUS
At-Bay
InsurSec MGA for cyber risk
series-eUS
Newfront
Modern insurance brokerage
series-dUS
Pie Insurance
Workers comp for small businesses
series-dUS

Listed companies operate in this space. Inclusion is based on publicly available product descriptions and does not imply endorsement of or by GreatCTO.

30 seconds

Drop into any P&C / life / health / reinsurance / MGA / TPA repo.

$ npx great-cto init
no signup·runs locally·pay your own API