Governed AI for regulated work
For businesses that have to get it right.
Velerian builds governed AI agents for the audit-bearing work in regulated industries — starting with P&C insurance claims. The agents handle the work; the evidence trail is built in, not bolted on.
What Velerian does
AI you can trust with the work that matters most.
We build AI that businesses can trust with high-stakes, regulated work — where the output has to be right the first time and every decision has to be defensible. Credible, precise, and accountable by design.
Controls, not vibes
Every agent runs inside guardrails — scoped authority, policy checks, and human review where it counts. No black-box autonomy on work that can't be wrong.
The evidence trail is the deliverable
Each decision carries its reasoning, sources, and citations — an audit trail built in from the start, ready for regulators, reviewers, and disputes.
Built for the carriers' reality
Designed around the compliance, fair-handling, and documentation standards that regulated operations are actually measured against.
Where we start — P&C insurance claims
The audit-bearing work in claims operations.
Governed AI agents for U.S. regional and specialty-lines carriers — built for the claims work that drives cycle time, indemnity leakage, and bad-faith exposure, and that a market-conduct examiner can ask to see. The work has to be right the first time, and the evidence trail is the deliverable.
Coverage interpretation
Read the policy against the facts of loss and surface what is and isn't covered — with the language that supports it.
Governed denial drafting
Draft defensible denials grounded in policy terms and the record, with the rationale documented end to end.
Fair-claims-handling review
Check handling against fair-claims standards and flag gaps before they become regulatory or bad-faith exposure.
Fraud screening
Surface fraud signals with the evidence behind each flag, so investigators start from a documented basis.
See it — don't take our word
What an audit-bearing decision looks like.
Most claims-AI tools hand you a decision and leave you to reconstruct the "why" later. Velerian's ship the decision and the record that defends it, together. Here's an illustrative denial.
The rule the agent can't break: never deny without a specific policy citation.
Governed denial drafting · Homeowners
Decision: Denied
Facts of loss
Heavy rainfall; water entered the dwelling at grade through the garage. The field inspection found no plumbing failure or sudden-and-accidental discharge.
Policy basis — citation
Form HO-3 · Section I — Exclusions · ¶A.3 (Water Damage): "surface water … whether or not driven by wind" is excluded; no covered ensuing loss applies.
Reasoning
Proximate cause of loss is surface water entering the structure — an excluded peril under ¶A.3. No covered ensuing cause (e.g., a resulting fire or sudden internal water discharge) appears on the record, so coverage is not triggered.
Evidence trail attached
- Policy form and endorsement versions referenced, with the exclusion language quoted verbatim
- Adjuster field notes and weather data cited as the factual basis for "surface water"
- Fair-claims-handling check: denial issued within the state's prompt-payment window, with the disclosure language the state's unfair-claims-practices rules require
- Human review: routed to a licensed adjuster for sign-off before the denial is issued
Why audit-bearing matters
When the work is regulated, the proof is the product.
In regulated operations, a right answer isn't enough — you have to show your work. The NAIC AI Model Bulletin — now in force in 24 states plus DC — moved claims AI from "allowed" to "examined": a market-conduct examiner can inspect how each decision was made. Velerian's agents produce the decision and its documented basis together, so the output stands up to a policyholder, an auditor, or an exam.
Right the first time
Built for work that can't be quietly corrected later — accuracy and defensibility are the baseline, not the upgrade.
Traceable by default
Sources, reasoning, and citations travel with every decision. Nothing is asserted without a basis on the record.
Human-accountable
Clear hand-offs and review points keep a person accountable for the call, with the agent doing the heavy lifting.
White paper
The Audit-Bearing AI Standard
How to deploy AI on regulated, high-stakes work without giving up the evidence trail — the standard Velerian builds to.
One brand, focused lines
The Velerian product family.
Design partner program
We're selecting a few carriers to build with.
Velerian is taking on two to three design partners for a scoped 90-day pilot — one use case, one business unit, at little or no cost. You help shape the product; you get audit-bearing AI on a real claims workflow first. We're a public benefit corporation: accountable AI for high-stakes work is the charter, not a tagline.
A live agent in 90 days
A governed agent running on one real claims workflow, producing the decision and the evidence trail your next exam will ask for.
A data slice and two people
Access to a scoped slice of claims data in your environment, a claims champion, and a compliance reviewer to evaluate the output.
Stays in your environment
AWS-native deployment, scoped access, every agent action logged, and a person accountable for every decision.
Talk to us
See what governed, audit-bearing AI looks like on your claims work.
Book a call and we'll walk through where Velerian fits in your operation — or send a message and we'll get back to you.
Book a call
Grab a time directly on the calendar. We'll come prepared to talk about your claims operation.
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