Independent semantic-governance audit view

Governance Committee Export — CSV for spreadsheets and SIEM ingestion, PDF for steering committee distribution.

• Coverage

  Drift class: Contradiction · Similarity: 41%

  Source VerifiedContradiction Detected

  Current definition

  All losses are automatically covered without exclusions or conditions.

  Canonical definition

  Coverage is subject to policy exclusions and conditions as set out in the policy schedule.

  Definition Provenance

  Source Provenance

  Source Verified

  Source Authority

  Solvency II

  Source Type

  Regulation

  Version

  2025 Edition

  Document

  Directive 2009/138/EC — Technical Provisions Guidelines

  Owner / Author

  European Commission

  Published

  2025-03-01

  Last Validated

  2025-11-04

  Confidence

  High

  URL

  https://eur-lex.europa.eu/eli/dir/2009/138/oj

  Approval History

  1. 2025-05-12

     Approved as canonical v1

     by Head of Legal

  2. 2025-08-30

     Drift flagged (sales vs legal)

     by WikiScreen scan

  3. 2025-11-21

     Escalated to Legal + Underwriting

     by AI Governance Lead

  History

  • First seen 2025-09-12 · 27 observations
  • Canonical v3.1 approved 2026-02-04
  • Drift detected on 2026-04-18

  Dependencies

  • Underwriting → Coverage
  • Premium Determination → Coverage

  Decision trace

  1. 2026-02-04

     Approved as canonical

     by Legal Lead

  2. 2026-04-18

     Flagged for drift

     by WikiScreen scan

  3. 2026-06-10

     Contradiction recorded

     by WikiScreen scan

• Risk Exposure

  Drift class: Definition expanded · Similarity: 72%

  Definition Expanded

  Current definition

  Total potential loss including indirect and reputational impact.

  Canonical definition

  Quantified potential loss arising from identified perils within scope.

  History

  • First seen 2025-11-05 · 14 observations
  • Canonical v1.4 approved 2026-01-22

  Dependencies

  • Premium Determination → Risk Exposure

  Decision trace

  1. 2026-01-22

     Approved as canonical

     by Risk Lead

  2. 2026-06-10

     Scope expansion proposed

     by WikiScreen scan

• Material Damage

  Drift class: New concept · Similarity: 0%

  Requires Approval

  Current definition

  Physical damage to insured assets requiring repair or replacement.

  Canonical definition

  —

  History

  • First seen 2026-06-10

  Dependencies

  None recorded.

  Decision trace

  1. 2026-06-10

     Submitted for canonicalisation

     by Underwriting