Why AI companies want insurance data
Insurance runs on documented, rule-bound workflows that still need judgment: claims intake, adjusting, underwriting referrals, subrogation and renewals. Each step follows guidelines, then calls for a human decision when a file doesn't fit. Records of those decisions show AI agents how experienced adjusters and underwriters actually think.
What's licensable in insurance
| Data | Examples |
|---|---|
| Claims handling procedures | First notice of loss intake, coverage review, reserving steps, closing checklists |
| Underwriting guidelines | Appetite rules, referral triggers, documentation requirements |
| Adjuster decision records | Coverage determinations and the reasoning behind them (policyholder PII removed) |
| Service workflows | Endorsements, cancellations, billing questions, renewals |
| QA and audit checklists | File review rubrics, claims audit findings |
| Training materials | Adjuster and CSR onboarding, licensing prep, coaching guides |
What to leave out
Policyholder and claimant personal information, medical records in claim files, and loss runs tied to named insureds. Under GLBA, sharing nonpublic personal information with nonaffiliated third parties generally requires a privacy notice and opt-out. Health details in claims may also raise HIPAA questions, so leave them out. See client data vs. company data.
How to raise your value
Underwriting referral notes that explain why a risk was accepted, declined or rated up are rare. Pair them with the guideline they applied. Connected records (the SOP, the work done under it and the outcome) are worth more than isolated files. More in what drives data value.
Do you qualify?
- 30+ employees
- Written processes and established documentation
- English-language docs
- US-based companies get priority
Take the 60-second estimate to see which payout tier fits your company.
Frequently asked questions
Can insurance businesses sell their data to AI?
Yes. Companies in insurance with 30+ employees and documented processes can license operational data such as SOPs, workflows and training materials. Published payouts start at $100K.
What insurance data can't be sold?
Policyholder and claimant personal information, medical records in claim files, and loss runs tied to named insureds. Under GLBA, sharing nonpublic personal information with nonaffiliated third parties generally requires a privacy notice and opt-out. Health details in claims may also raise HIPAA questions, so leave them out.
- Published enterprise data program terms (2026)