Governance · Insurance
Resolve drift. Govern meaning.
Findings surface the problem. Governance is where the organisation decides: which meaning becomes canonical, who owns it, and how the decision is recorded.
Contradictions
Logical conflicts between submitted definitions and canonical records — distinct from drift.
Coverage
Canonical definition
Coverage is subject to policy exclusions and conditions.
Submitted definition
All losses are automatically covered without exclusions or conditions.
Conflict type: Logical negation — submitted definition directly inverts a canonical constraint
Governance recommendation: Reject submitted definition. Escalate to Legal and Underwriting owners. Do not allow this definition to feed any AI system until resolved.
Decisions awaiting approval
Coverage
Requires Approvalhigh impactIssue
Same term, different meaning across Legal, Sales, IT
Proposed canonical decision
Adopt Legal definition as canonical; mark Sales/IT as departmental qualifiers.
Material Damage
Requires Approvalhigh impactIssue
No governed enterprise definition
Proposed canonical decision
Promote draft from Claims as canonical; assign owner to Underwriting.
Claim Event
Alternative Interpretation Detectedmedium impactIssue
Context divergence between Operations and Finance
Proposed canonical decision
Split into Operational Claim Event and Financial Claim Event with mapping.
Exclusion
medium impactIssue
Scope differs between Policy Wording and Claims Operations teams.
Proposed canonical decision
Adopt Policy Wording definition; add operational qualifier for Claims use.
Coverage Trigger
medium impactIssue
No approved canonical. V2 wording broadens activation conditions beyond contractual intent.
Proposed canonical decision
Revert to V1 contractual definition; flag V2 as departmental variant pending Legal review.
Insured Asset
low impactIssue
V2 expanded scope to include intangible assets without governance approval.
Proposed canonical decision
Accept expanded scope; update canonical to include intangible assets with explicit owner sign-off from Underwriting.
Dependency & Inheritance Map
Four governance dependency chains across the Insurance Semantic Seed Dataset. Chains containing unresolved upstream concepts surface an Inherited Warning.
Chain 1 · Premium Sufficiency
- 1.Premium Sufficiency
depends on
- 2.Premium Determination
depends on
- 3.Underwriting
depends on
- 4.Risk ExposureInherited Warning
⚠ INHERITED WARNING — unresolved drift from V2
Inherited Warning
Premium Sufficiency depends on an upstream concept with unresolved governance findings.
Affected upstream concept: Risk Exposure. Governance review recommended before approving dependent concepts.
Chain 2 · Coverage Adequacy
- 1.Coverage Adequacy
depends on
- 2.CoverageGovernance Warning
⚠ GOVERNANCE WARNING — canonical decision pending
depends on
- 3.Risk ExposureInherited Warning
⚠ INHERITED WARNING — unresolved drift from V2
Inherited Warning
Coverage Adequacy depends on an upstream concept with unresolved governance findings.
Affected upstream concept: Risk Exposure. Governance review recommended before approving dependent concepts.
Chain 3 · Loss Reserving
- 1.Loss Reserving
depends on
- 2.Reserve
depends on
- 3.ClaimApproved Canonical
depends on
- 4.Loss EventApproved Canonical
Chain 4 · Claims Handling
- 1.Claims Handling
depends on
- 2.ClaimApproved Canonical
depends on
- 3.Loss EventApproved Canonical
depends on
- 4.PolicyholderApproved Canonical
What governance does here
Approve canonical definitions
Promote the proposed wording as the single source of truth for the enterprise.
Merge or split meanings
Resolve overlaps by merging duplicates or splitting context-specific variants.
Assign accountable owners
Every canonical definition must have a named business owner.
Record the decision
Every governance action is captured as evidence in the Report.
Next
Export the governed decisions as a signed report.