cloud-itonami-isic-6512

Open Business Blueprint for ISIC Rev.5 6512: Non-life insurance. This repository publishes a property/casualty underwriting/policy-binding and claim-settlement execution actor as an OSS business that any qualified, licensed operator can fork, deploy, run, improve and sell.

Built on this workspace's langgraph-clj StateGraph runtime (portable .cljc, supervised superstep loop, interrupts, Datomic/in-mem checkpoints) -- the same actor pattern as cloud-itonami-isic-6511 (life insurance; Underwriter-LLM ⊣ UnderwritingGovernor). Here it is Underwriter-LLM ⊣ Non-Life Insurance Governor.

Why an actor layer at all? An LLM is great at drafting an underwriting-document checklist, normalizing policy intake, flagging a thin KYC file, or normalizing a filed claim -- but it has no notion of which jurisdiction's insurance-regulator requirements are official, no license to underwrite, no business being the one that decides real property/casualty coverage is issued today, and no way to know on its own whether a settlement would pay out more than a policy's own coverage limit. Letting it bind a policy or settle a claim directly invites fabricated underwriting requirements, laundering sanctioned parties into coverage or payouts, and silent liability for whoever runs it. This project seals the Underwriter-LLM into a single node and wraps it with an independent Non-Life Insurance Governor, a human approval workflow, and an immutable audit ledger.

Scope: what this actor does and does not do

This actor drafts and governs a non-life (property & casualty) insurance workflow: policy intake, per-jurisdiction underwriting- document checklisting, policyholder/claimant KYC-sanctions screening, a policy-binding proposal, claim filing, and a claim-settlement proposal. It does not, by itself, hold a license to underwrite insurance in any jurisdiction, and it does not claim to. Whoever deploys and operates a live instance (a licensed P&C insurer, an MGA's underwriting/ claims ops team) supplies the jurisdiction-specific license, the real KYC/AML program, the real actuarial-rate/policy-administration integrations and the real claims-adjustment expertise, and bears that jurisdiction's liability -- the software supplies the governed, spec-cited, audited execution scaffold so that operator does not have to build the compliance layer from scratch for every new market.

Actuation

A real policy binding (issuing real property/casualty coverage) or a real claim settlement (paying out a real claim) is never autonomous, at any phase, by construction. Two independent layers enforce this (casualty.governor's :actuation/bind/:actuation/settle-claim high-stakes gate and casualty.phase's phase table, which never puts either op in any phase's :auto set) -- see casualty.phase's docstring and test/casualty/phase_test.clj's policy-bind-never-auto- at-any-phase/claim-settle-never-auto-at-any-phase. The actor may draft, check, screen and recommend; a human operator (a licensed underwriter or claims adjuster) is always the one who actually binds coverage or settles a claim.

The core contract

policyholder/claimant intake + jurisdiction facts (casualty.facts, spec-cited)
        |
        v
   ┌──────────────┐   proposal      ┌───────────────────────┐
   │ Underwriter- │ ─────────────▶ │ Non-Life Insurance      │  (independent system)
   │ LLM (sealed) │  + citations   │ Governor: spec-basis ·  │
   └──────────────┘                 │ KYC · policy-not-bound  │
                             commit ◀────┼──────────▶ hold │ claim-exceeds-coverage
                                 │             │           │ · claim-already-settled
                           record + ledger  escalate ─▶ human  (all un-overridable)
                                             (ALWAYS for
                                              :policy/bind AND
                                              :claim/settle)

The Underwriter-LLM never binds a policy or settles a claim the Non-Life Insurance Governor would reject, and never does either without a human sign-off. Hard violations (fabricated jurisdiction requirements; sanctions hit; incomplete documents; a claim against an unbound policy; a settlement exceeding the policy's own coverage limit; a double-settlement) force hold and cannot be approved past; a clean binding or settlement proposal still always routes to a human.

Run

kbb -M:dev:run     # walk one clean policy-bind lifecycle + one clean claim-settlement lifecycle + six HARD-hold cases through the actor
kbb -M:dev:test    # governor contract · phase invariants · store parity · registry conformance · facts coverage
kbb -M:lint        # clj-kondo (errors fail; CI mirrors this)

Robotics premise

All cloud-itonami verticals are designed on the premise that a robot performs the physical domain work. Here a claims-site damage- inspection drone documents property and vehicle loss for the human adjuster, under the actor, gated by the independent Non-Life Insurance Governor. The governor never dispatches hardware itself; :high/:safety-critical actions require human sign-off.

Open business

This repository is not only source code. It is a public, forkable business model:

Layer	What is open
OSS core	Actor runtime, Non-Life Insurance Governor, policy-binding + claim-settlement draft records, audit ledger
Business blueprint	Customer, offer, pricing, unit economics, sales motion
Operator playbook	How to fork, license, deploy and support the service in a jurisdiction
Trust controls	Governance, security reporting, actuation invariant, audit requirements

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