Regulatory-compliant audit logging for insurance technology platforms. Meet state insurance commissioner requirements, NAIC standards, and SOC 2 obligations with tamper-proof audit trails.
Insurance technology platforms are regulated by state insurance commissioners and must comply with NAIC (National Association of Insurance Commissioners) model laws and standards. The NAIC Insurance Data Security Model Law requires comprehensive audit trails for systems handling policyholder information. InsurTech platforms also face SOC 2 requirements from carrier partners and must comply with state-specific data breach notification laws. AuditKit provides the audit infrastructure that InsurTech companies need to satisfy regulators, carriers, and enterprise customers.
NAIC Insurance Data Security Model Law
State insurance commissioner regulations
SOC 2 Type II (required by carrier partners)
GDPR (for international operations)
State data breach notification laws
HIPAA (for health insurance platforms)
| Event | Description |
|---|---|
policy.created | New insurance policy created |
policy.modified | Policy terms or coverage changed |
claim.filed | Insurance claim submitted |
claim.adjudicated | Claim decision rendered |
underwriting.completed | Underwriting decision made |
pii.accessed | Policyholder personal information accessed |
rate.calculated | Premium rate calculated |
agent.commission_changed | Agent commission structure modified |
NAIC Model Law requires logging of access to policyholder nonpublic personal information, including who accessed it, when, and for what purpose.
Insurance regulators require complete audit trails for claims processing, from filing through adjudication, including all decisions and communications.
Regulators require documentation of underwriting decisions including factors considered, data sources used, and outcomes. Audit logs support regulatory examinations.
Insurance rate changes must be documented and filed with state regulators. Audit logs provide evidence of rate calculation methodology and approval workflows.
SHA-256 hash chains and Merkle tree proofs provide mathematical proof that your insurtech audit records have not been altered. This level of integrity assurance is increasingly expected by regulators and auditors.
AuditKit enforces strict tenant isolation at the infrastructure level. Your customers' audit data is logically separated, satisfying data segregation requirements common in insurtech compliance frameworks.
Stream audit events to your existing SIEM for real-time monitoring and alerting. AuditKit integrates with Splunk, Datadog, Elastic, and other platforms commonly used in insurtech security operations.
AuditKit is open source, so your security team and auditors can inspect the code. This transparency is particularly valued in insurtech where trust and verifiability are paramount.
InsurTech companies need to log policyholder data access, claims processing decisions, underwriting activities, rate calculations, and administrative changes. The NAIC Insurance Data Security Model Law specifically requires audit trails for systems handling nonpublic personal information. AuditKit provides tamper-proof logging that satisfies these requirements.
State insurance regulators conduct examinations that require detailed audit evidence. AuditKit provides immutable audit trails with SHA-256 hash chains, a React viewer for regulator review, and configurable retention policies that meet state-specific requirements.
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Tamper-proof audit trails that satisfy insurtech compliance requirements. Start from $99/mo.