Benefit — knowing your category first
What it saves you to know before someone else asks
Every carrier already has a Category A / B / C stance on every AI system it runs. The only question is whether the carrier knows it before the SC DOI, plaintiff, AG, or reinsurer does.
The four moments
- SC DOI market-conduct exam. Examiner asks about AI-in-claims governance. If you already know you are A, the answer is a one-page hand-off. If you don't, examiner's follow-up probes reveal the gap in real time.
- Plaintiff's demand letter or class complaint. Knowing the category BEFORE the letter moves the response stance from "we're investigating now" to "we identified and remediated on Day X."
- Board audit or risk committee. Board asks the AI-governance question. A/B/C + one-page evidence + named remediation is the credible response. "We think it's fine" is not.
- Reinsurance / D&O / E&O renewal. Renewal questionnaire has an AI-governance section. Attaching the Snapshot is the answer. Not attaching means answering the question narratively and hoping.
Cost of learning your category the wrong way
Reactive stance cost: external counsel + rush-audit + remediation-under-fire typically runs 5-20x the cost of the same discipline applied ahead of time. And the reactive-response record does not carry the same credibility.
Multi-stakeholder chain: once the category becomes visible via one channel (DOI, AG, reinsurer, plaintiff), the other channels typically converge within 6-18 months. Sequential response cost compounds.
Proactive stance cost: $499. Below procurement threshold. Direct-buy. 3 business days. A/B/C determination + 3 fix-first items + signed declaration.
What "knowing" changes operationally
- Category A — keep the Snapshot on file. Cite in exam binder + board deck + reinsurance-renewal questionnaire.
- Category B — work the 3 fix-first items over the next 30-60 days. Re-audit. Move to A. Document the journey.
- Category C — freeze the SIU-flag lane for the affected county group + hold-for-manual-review + retention hold + notify GC + Chief Claims Officer + CIO. Then work the 3 fix-first items. Then re-audit. The 30-day plan is on the record you already have.
Who at your org cares
- CEO — risk visibility
- General Counsel — litigation-hold + response readiness
- Chief Compliance Officer — exam + AG + renewal response readiness
- Chief Claims Officer — claim-lane governance
- Chief Actuary — filed-rate + reinsurance overlap
- CFO — reserve implications for the reactive-response scenarios
- Board Risk + Compliance Committees — oversight documentation
- SC DOI Compliance Liaison — primary regulator relationship
$499. 3 business days.
Answer the question every stakeholder eventually asks — before they ask it.
Buy $499