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Industry · Insurance

Insurance data licensing for AI.

Quick answer

Insurers and agencies record claims handling, underwriting decisions, policy wording and customer calls. AI developers building claims triage, underwriting and service tools want this data. Policyholder privacy, regulatory retention rules and carrier agreements must be addressed first.

Business context#

Claims files capture adjuster judgment across thousands of scenarios — exactly the kind of expert reasoning AI systems lack.

  1. 01Your work records
  2. 02Personal details removed
  3. 03You approve the release
  4. 04Licensed to AI developers
How it works with SourceX: Your work records → Personal details removed → You approve the release → Licensed to AI developers.Illustrative

Valuable insurance datasets#

Valuable insurance datasets
DatasetWhat it contains
Claims notesAdjuster reasoning and actions
Underwriting filesRisk assessments and decisions
Policy documentsWordings and endorsements
Call recordingsFirst notice of loss and service calls
Damage photosImages linked to claim outcomes

How AI developers use it#

  • Claims triage
  • Underwriting copilots
  • Policy Q&A assistants
  • Damage assessment vision models

Privacy, legal and security considerations#

  • Policyholder PII and health data
  • State and national insurance regulation
  • Carrier and MGA agreements
  • Recording consent

How SourceX approaches it#

We start with a description of your systems — no data leaves your company during assessment. If there's relevant demand, we propose scope, permitted use and preparation requirements for your approval, and nothing is delivered without an executed agreement and your explicit authorization.

Related data categories

Systems that hold this data#

  • Zendesk
  • Intercom
  • Freshdesk
  • Salesforce Service Cloud
  • QuickBooks
  • Xero
  • NetSuite
  • SAP
  • Zoom
  • Gong
  • Five9
  • Twilio
  • Contact-center platforms
  • Confluence
  • Notion
  • Google Drive
  • SharePoint

How much data is enough#

As a general guide, buyers look for years of consistent history (typically 2+ years) and tens of thousands of records or more in one system. Smaller sets can qualify when the work is rare. Assessed deal by deal.

Sample record

Illustrative · fictional

record_id
rec_8f21c0
created / closed
2023-04-11 → 2023-04-12
category
Billing question
request
Customer [NAME] asks why invoice [ID] was charged twice.
steps
1. Checked payment log 2. Found duplicate 3. Issued refund
outcome
Resolved · refund issued
actors
customer, agent_tier1

Rules that may apply

  • Federal Wiretap Act 18 U.S.C. 2511

    Applies to recorded calls and intercepted communications; some states require all-party consent. Assessed deal by deal.

  • California Consumer Privacy Act Cal. Civ. Code 1798.100 et seq.

    May apply where records include personal information of California residents and the business meets the law's thresholds. Assessed deal by deal.

  • Gramm-Leach-Bliley Act 15 U.S.C. 6801 et seq.

    Applies to nonpublic personal information held by financial institutions. Assessed deal by deal.

Reviewer note: applicability is confirmed with counsel for each deal. Not legal advice.

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Frequently asked questions

Are agencies or carriers better placed?

Both can hold valuable data; agencies should check carrier agreements on data ownership.

Related resources

See if your company qualifies

A short company assessment. No data uploads are needed.

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See if your company qualifies