Policies
Demo snapshot — build-time-generated from casualty.store via casualty.render-html (clojure -M:dev:render-html), regenerated nightly.
| Policy | Policyholder | Insured property | Coverage type | Coverage amount | Jurisdiction | Status | Policy number | Last op status |
|---|---|---|---|---|---|---|---|---|
| pol-1 | party-1 | 1978 Toyota Corolla (motor) | motor | 3000000 JPY | JPN | bound | JPN-00000000 | committed |
| pol-2 | party-3 | 123 Main St, Anytown (fire) | fire | 100 USD | ATL | intake | n/a | HARD hold · no-spec-basis |
Claims
| Claim | Policy | Claimant | Claimed amount | Loss date | Loss description | Status | Settlement number | Last op status |
|---|---|---|---|---|---|---|---|---|
| claim-1 | pol-1 | party-1 | 500000 | 2026-06-01 | 追突事故による損傷 | settled | JPN-CLAIM-000000 | committed |
| claim-3 | pol-1 | party-1 | 5000000 | 2026-06-15 | 全損事故 | filed | n/a | HARD hold · claim-exceeds-coverage |
Draft policy-binding / claim-settlement records
Unsigned drafts only — the licensed underwriter's/adjuster's own act of signing is outside this actor's authority (see README Actuation).
| Kind | Record id | Subject | Jurisdiction | Status |
|---|---|---|---|---|
| binding | JPN-00000000 | party-1 · 1978 Toyota Corolla (motor) | JPN | immutable draft |
| settlement | JPN-CLAIM-000000 | JPN-00000000 · claim-1 | JPN | immutable draft |
Action gate (Non-Life Insurance Governor)
HARD holds cannot be overridden by a human approver. Jurisdiction spec-basis, underwriting-document evidence completeness, claim-settlement arithmetic (against the policy's own coverage limit) and sanctions/PEP status are independently recomputed, never trusted from the advisor's proposal; a real policy binding or claim settlement is always a human underwriter's/adjuster's call, at every rollout phase.
| Op | Gate |
|---|---|
:policy/intake | phase-3 auto-commit when clean, no capital risk yet |
:jurisdiction/assess | ALWAYS human approval when clean · spec-basis independently checked against casualty.facts, never fabricated |
:kyc/screen | ALWAYS human approval when clean · a sanctions/PEP hit is a HARD, un-overridable hold instead |
:policy/bind | ALWAYS human approval · real coverage issued (actuation/bind) · underwriting-document completeness independently checked, never auto at any phase |
:claim/file | phase-3 auto-commit when clean, no capital risk yet · referenced policy must actually be bound, independently checked |
:claim/settle | ALWAYS human approval · real claim payout (actuation/settle-claim) · settlement amount independently recomputed against the policy's own coverage limit, plus a double-settlement guard, never auto at any phase |
Audit ledger (this run)
Append-only decision-fact log — every proposal, hold and commit this scenario produced.
| Fact | Op | Subject | Basis |
|---|---|---|---|
| committed | intake | pol-1 | id, status |
| committed | assess | pol-1 | 保険業法 (Insurance Business Act), https://www.fsa.go.jp/ |
| committed | screen | party-1 | id-doc, sanctions-list, corporate-intelligence |
| committed | bind | pol-1 | https://www.fsa.go.jp/ |
| committed | file | claim-1 | policy-id, claimed-amount, loss-date |
| committed | settle | claim-1 | pol-1 |
| governor-hold | screen | party-3 | sanctions-hit |
| governor-hold | assess | pol-2 | no-spec-basis |
| committed | file | claim-3 | policy-id, claimed-amount, loss-date |
| governor-hold | settle | claim-3 | claim-exceeds-coverage |