Solutions

Every line has its own rules. Every decision gets the same proof.

Motor claims, a Lloyd's slip, a life application, a treaty renewal, a client book at a TPA, a binder at an MGA. Each line has its own wordings, authorities and supervisors. HONESTAS speaks each one, and leaves the same sealed record behind every decision AI touches.

Book a demo See how it works

Six lines of businessFive outcomes you can measureOne sealed record format

Two versions of a coastal property wording compared clause by clause in HONESTAS, with who wrote each line and the approvals it still needs — **A wording, clause by clause.** Coastal property 2027.1 against the live 2026.3, approved once and waiting for a second approver.Sample data

**A wording, clause by clause.** Coastal property 2027.1 against the live 2026.3, approved once and waiting for a second approver.Sample data

Lines of business

Six lines. Each in its own words.

Each page shows the decisions in that line, one real case followed step by step, and the rules that line answers to.

Motor, home and commercial

General insurance

From first notice of loss to a sealed settlement. Reserves, payments on account, declines and renewals all carry their reasons.

Lloyd's and the company market

Specialty and London market

Lead and following markets on one slip, with walls between them. Binders, bordereaux and the yearly validation of every external model.

High-risk under the AI Act

Life and health

Underwriting and pricing with the evidence the AI Act asks for from 2 December 2027. Emotion and psychometric inference never reach a decision.

Treaty and facultative

Reinsurance

The cedant's evidence arrives as sealed records, not slides. A named seat lets you read exactly what your contract covers.

Many insurers, one desk

Claims administrators and TPAs

Each client's rules, authorities and wordings kept apart, and every client report built from sealed records.

Delegated authority

Brokers and MGAs

Show every risk was inside the binder before you bind. Bordereaux to capacity providers come straight from the records.

Outcomes

What it changes. Measured on your own book.

Five outcomes, each with its own page: the problem, what HONESTAS changes and what you measure.

Faster claims

Claims wait longest where nobody is sure who may decide. Triage names the room and the chair on day one.

A better loss ratio

Leakage shows in the reasons. See where settlements, betterment and recoveries drift from your own rules.

Less fraud

Signals point, with reasons. Investigators decide, and nobody is refused by a model alone.

Catastrophe readiness

Draw the storm, see the exposure inside it and open the claims before the first call.

Compliance evidence

Each rule linked to the sealed decisions that answer it, ready before the supervisor asks.

Why one record

One record format. Every line, every supervisor.

A claims lead in Dublin, an underwriter at Lloyd's and a reinsurer's auditor read the same fields, in the same order. Nobody rebuilds the evidence for each audit.

Who decided
A named person, in a named role, with their authority checked before they signed.
On what evidence
Every item with where it came from and how old it was. What was missing is said, not left blank.
Under which rules
The wording, rate table, binder, model and room terms, each pinned to its version.
How it was argued
The case for, the case against and the challenger, kept even when the chair ruled the other way.
Checked and sealed
A second model agreed, and the record was sealed with an outside time stamp. It can be reopened and re-run.

So a TPA can hand one to each client, an MGA to its capacity provider and a cedant to its reinsurer. See sealed records →

honestas · sealed records · one formatSample data

The same record, three lines

Field	Motor claim	Coastal binder	Life application
Decision	Settle at €44,900	Hold the 2027 renewal	Accept at +50%
Chair	Head of claims	Active underwriter	Chief underwriter
Authority	Claims authority v2	Binder CA-118 v4	Underwriting manual
Evidence	9 items, with sources	188 risks, bordereau	GP report, disclosures
Argued	For, against, challenger	For, against, challenger	For, against, challenger
Second model	Agrees	Agrees	Agrees
Rules	Wording v4.2	Coastal wording 2026.3	AI Act Annex III 5(c)
Sealed	19 Aug 2026	18 Sep 2026	21 Oct 2026

Different lines, the same fields in the same order. One verifier checks all three.

Book a demo

Bring one decision from your line.

Motor claims intake, a binder renewal, a life rating or a large loss on a treaty. We will show it argued, checked, signed and sealed in HONESTAS.

Book a demo How it works