Certification by ZwillGen’s AI Division Marks a Major Milestone in Ethical, Unbiased Risk Selection for P&C Insurers
Pinpoint Predictive, an actuarial AI platform for property and casualty insurers, empowers carriers to quantify risk and predict loss ratios earlier and more accurately than traditional methods—supporting more profitable underwriting decisions, has achieved a major milestone in ethical AI with its recent fairness certification from ZwillGen’s Artificial Intelligence (AI) Division. This independent certification underscores Pinpoint’s commitment to providing transparent, bias-free AI solutions that meet the highest standards of compliance and ethical integrity.
ZwillGen, a renowned law firm specializing in technology and privacy law, offers advanced AI bias testing—an increasingly essential service as regulatory scrutiny intensifies across the insurance sector. By partnering with ZwillGen, Pinpoint demonstrates a proactive approach to responsible AI, ensuring its models are fair, compliant, and aligned with evolving industry guidelines.
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The certification process involved a rigorous audit of Pinpoint’s actuarial loss prediction model, focusing on disparate impact and proxy testing across demographic groups, including race, gender, and age. ZwillGen’s AI Division applied standards from key frameworks, including the NAIC Model Bulletin on AI in Insurance (2023), the New York Department of Financial Services AI Circular (2024), and the Colorado AI Act, ensuring that Pinpoint’s technology adheres to recognized guidelines for bias detection, risk controls, and transparency.
“This certification validates our commitment to developing AI tools insurers can trust to deliver both precision and fairness,” said Scott Ham, CEO of Pinpoint Predictive. “By actively aligning our technology with the industry’s most rigorous standards, we’re giving insurers the confidence to adopt AI solutions that enhance compliance, improve decision-making, and drive competitive advantage.”
This achievement further solidifies Pinpoint Predictive’s position as a premier AI partner for insurers navigating the complexities of AI governance and compliance. By integrating fairness into its core technology, Pinpoint enhances trust, improves decision-making, and supports insurers in meeting evolving regulatory demands.
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