Insurance signals
Runtime measures are candidate inputs for insurance review. Establish their definitions, observation boundary, provenance and relationship to the workflow before treating them as risk variables. STABLE
| Candidate | What to establish |
|---|---|
| Mediation ratio | Attested eligible actions, total eligible actions, independent counting and gaps |
| Control decisions | Named rule, version, denominator, attempts versus effects |
| Drift | Baseline, comparable population, instrument, context and response |
| Human review | Authority, quality, timing, override and downstream reliance |
| Model/tool dependency | Declared versus independently bound identifiers and deployed versions |
| Incident packet | Relevant facts, integrity, supporting access and explicit unknowns |
Minimized metadata can still carry sensitive information. Confirm schema, exports and access rather than assuming no PHI-shaped data can ever leave a system. STABLE
Denominator trust
Section titled “Denominator trust”A vendor-reported total, a boundary-observed total and a suitably independent reconciliation carry different assurance. A signed self-report authenticates its source without establishing that its total is correct or complete. Do not promote a count into a stronger category because it has a signature. STABLE
These measures can support a proposed pilot. They are not automatically approved rating variables, coverage conditions, parametric triggers or predictors of loss. The authorised insurer must decide the use and evidence required. STABLE
→ Claim taxonomy · Bounded pilot
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