---
title: "KYE™ Claims Authority Pack™ — insurance claims governance · KYE™ Sector Pack Foundry™ · KYE Protocol™"
description: "The Claims Authority Pack™ — a KYE™ Sector Pack Foundry™ expert-pack delivering Agentic Governance™ with Authority Finality™ for insurance claims. Maps every AI-assisted claims decision to a named handler, the FCA Consumer Duty / EU AI Act / UK GDPR / DORA obligation it discharges, and the signed Evidence Pack™ it emitted."
url: https://kyeprotocol.com/foundry/insurance-claims-authority-pack/
lang: en
source: "KYE Protocol"
---

> The Claims Authority Pack™ — a KYE™ Sector Pack Foundry™ expert-pack delivering Agentic Governance™ with Authority Finality™ for insurance claims. Maps every AI-assisted claims decision to a named handler, the FCA Consumer Duty / EU AI Act / UK GDPR / DORA obligation it discharges, and the signed Evidence Pack™ it emitted.

KYE™ Sector Pack Foundry™

# Agentic Governance™ with Authority Finality™ for insurance claims.

Every AI-assisted claims decision — a triage outcome, a fraud flag, a coverage decision, a settlement recommendation, a rejection — mapped to a named claims handler, bound to the obligation it discharges, and signed into an Evidence Pack™ at the moment it happens. The Claims Authority Pack™ is the KYE™ Sector Pack Foundry™ productisation that lands Agentic Governance™ — every act has authority, every authority has finality — inside FCA Consumer Duty, EU AI Act, UK GDPR, and DORA-regulated insurers.

[Apply via the Foundry](https://kyeprotocol.com/sector-pack-foundry/apply/) See the 8-step pipeline Bound regulatory perimeter

## FCA Consumer Duty, EU AI Act, UK GDPR, DORA — the claims perimeter.

General insurers, life and health insurers, claims TPAs, and insurtech claims platforms running AI agents across the claims lifecycle are inside a named-accountability perimeter — fair-outcome accountability for every coverage and settlement decision, human review of AI-driven adverse actions, and minimised, purpose-scoped handling of claimant personal data. AI-assisted claims operations create disputes if the insurer cannot prove authority, evidence, human review, and contestability.

## Better evidence than reconstructed logs — signed at the moment, derivable from public keys alone.

The dominant evidence today is after-the-fact reconstruction. A KYE Protocol™ Evidence Pack™ plus Authority Finality™ outcome bound to the named handler, the policy version, the AI influence state, and the delegation chain is materially better evidence: signed at the moment of the decision and Replay-Proof™ against the published JWKS a regulator, ombudsman, or court can verify offline. KYE™ governs the authority around the model — not the claim outcome itself.

## An 8-step pipeline — from AI claims decision to settled record.

The Pack rides the canonical productisation shape: rule pack, dictionary, sector pack, obligation manifest, expert-pack envelope, coverage attestation, SKU row, and this marketing surface. No Foundry-specific framework shape; the protocol evidence layer underneath is identical to every other Pack.

## Bound to the canonical insurance claims perimeter.

- **FCA Consumer Duty (fair-outcome accountability + fair treatment)**
- **EU AI Act (human oversight of high-risk AI, Article 14)**
- **UK GDPR (data minimisation and purpose limitation)**
- **DORA (operational resilience and evidence)**

Regulators of record: FCA / EU AI Office / ICO.

## Qualified partners — apply through the Foundry.

[Apply via the Foundry](https://kyeprotocol.com/sector-pack-foundry/apply/) [See the three Foundry tiers](https://kyeprotocol.com/sector-pack-foundry/) [Bound regulatory frameworks](https://kyeprotocol.com/frameworks/)

## Canonical surfaces

This Pack is one projection of the [KYE™ Sector Pack Foundry™](https://kyeprotocol.com/sector-pack-foundry/) — the productisation rail of [KYE Protocol™](https://kyeprotocol.com/). Every in-scope decision emits a signed [Evidence Pack™](https://kyeprotocol.com/evidence-pack/).