Artificial intelligence (AI) is reshaping the insurance industry, from faster decision-making and smarter product pricing to more personalized customer experiences. But as adoption accelerates, so does the need for responsible oversight.
At Duck Creek Technologies, we believe responsible AI governance isn’t just a safeguard. It is a strategic imperative. It’s how we build trust, ensure transparency, and empower insurers to innovate with confidence.
Building Trust in AI: Duck Creek’s Governance Framework for Smarter Insurance
Many off-the-shelf AI solutions prioritize automation over understanding. Duck Creek’s AI solutions approach centers on transparency, accountability, and AI compliance in insurance. We believe AI should empower people, not replace them. That’s why our AI solutions are designed with human judgment at the center, supporting smarter, faster decision-making while keeping people firmly in control.
We focus on making the recommendations, predictions, or decisions made by our AI explainable, traceable, and aligned to the highest industry standards.
In an industry where trust and clarity matter more than ever, Duck Creek sets the standard, delivering AI that works with you, not around you.
Steering Smarter AI: The Strategic Role of Duck Creek’s Innovation & Governance Council
At the heart of our governance approach is Duck Creek’s AI Innovation and Governance Council. This group of Insurtech professionals acts as the strategic engine driving both AI innovation and responsible oversight across Duck Creek.
Inside the Council: How Expertise Shapes Duck Creek’s AI Strategy
Duck Creek’s AI is shaped by real insurance experts with decades of hands-on underwriting, claims, and compliance experience who partner closely with customers. Our platform is designed by practitioners, validated by operators, and guided by thought leaders who ensure every decision workflow is transparent, accountable, and compliant.
- Drives Innovation: It identifies and prioritizes the high-impact AI opportunities in our products, services, and internal operations, promoting a culture of curiosity while driving transformation across six key areas: process, product, services, business model, customer experience, and human-AI collaboration.
- Develops Policy and Frameworks: The council is responsible for defining, creating and maintaining AI governance policies, ethical principles, and compliance frameworks, keeping our work aligned to ethical and legal standards.
- Manages Risk: Proactively assesses and addresses risks related to our AI initiatives around privacy, security, and compliance with our responsible AI framework.
- Drives Transparency and Accountability: The Council promotes transparency and accountability within our AI initiatives and clear ownership of AI outcomes.
- Champions Education: It spearheads AI literacy companywide, including hands-on training, empowering teams to embrace AI.
The Council is chaired by Duck Creek’s CIO and includes leaders from product, security, privacy, legal, HR, and finance; ensuring cross-functional expertise and real-world decision-making power. The group tracks progress, reviews AI projects and products, assesses risks, and reports outcomes to Duck Creek’s executive team.
In addition, each new AI capability within Duck Creek Intelligence goes through a formal AI Risk Assessment. In this process, we audit how and where AI will be used and how data can securely flow through the system, all with a lens on how the system might impact end users and what regulations are complied with.
Building AI You Can Trust: Duck Creek’s 7 Core Principles
Duck Creek’s Responsible AI framework is built on seven core principles:
- Validity and Reliability: AI systems should perform consistently and accurately across different scenarios and datasets.
- Safety: AI should operate without causing harm to the users or the environment.
- Security and Resilience: AI systems must be protected against malicious attacks and be able to recover from failures.
- Accountability and Transparency: There should be clear protocols for addressing adverse outcomes, and the decision.
- Explainability: AI decisions should be explainable in a way that users can understand how and why certain outcomes were reached.
- Privacy: AI systems must respect user privacy and protect sensitive data.
- Fairness: AI should be designed to minimize biases and ensure fair treatment of all users.
Turning AI for Insurance Governance into Action
Good governance is only effective if it works in practice. That’s why Duck Creek doesn’t just talk about responsible AI; we deliver it. In a market flooded with opaque, one-size-fits-all solutions, our approach stands apart: built on transparency, accountability, and compliance, and designed to empower insurers with AI that supports human judgment, not replaces it.
Here’s how we make responsible AI in insurance real for P&C carriers.
- You Stay in Control: Our AI platform is configurable and designed for human-in-the-loop, for human-centric AI in insurance. You decide how and where to use AI in your operations. Configure with confidence by setting boundaries for AI use based on your business rules, fine-tune and validate models to ensure outputs align with your standards, and ensure humans approve AI actions.
- Your Data Stays Yours: Each insurer’s data is kept strictly separate, protected by robust encryption and privacy controls. Duck Creek never uses your data to improve or train other customers’ models. AI is only trained using client data with explicit, documented consent from the client.
- Compliance By Design: Our products are designed to align with standards like GDPR, the EU AI Act, CCPA, and NAIC data security standards. We monitor global regulations and proactively keep our clients protected with audit-ready reporting and documentation.
AI That Evolves with You: Strategic Governance for Real-World Results
Duck Creek’s AI Innovation & Governance Council is committed to a regular review cadence and ongoing updates to its charter, policies, and risk practices. This ensures our approach remains agile and effective, even as industry needs and technology standards change.
The Council also ensures every AI initiative ties directly to Duck Creek’s business goals—driving measurable improvement in customer satisfaction, operational efficiency, and growth.
Responsible AI Innovation, Built for Insurance
When it comes to P&C insurance modernization, trust, transparency, and innovation must travel together. At Duck Creek, Responsible AI governance for P&C carriers is more than a checklist; it’s the reason our clients embrace intelligent technology with confidence. With strong oversight, ethical standards, and built-in compliance, Duck Creek helps insurers unlock AI’s potential, without sacrificing control or integrity.
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Discover how Duck Creek’s transparent, human-centered AI can help your organization make smarter decisions, without sacrificing control. Let’s build trust in every transaction.
