Insurers Treat Spreadsheets As Governance Infrastructure
As carriers accelerate AI adoption, insurers increasingly rely on spreadsheets rather than replace them, creating governance gaps across pricing, underwriting, reserving and financial reporting. The piece warns AI-generated or unapproved spreadsheet logic can introduce opacity and regulatory risk as AI systems call live Excel calculations. It recommends wrapping spreadsheets with versioning, audit trails, validation and API deployment so regulators, domain experts and AI workflows can rely on auditable, callable calculation services.
Scoring Rationale
High practical relevance and actionable governance guidance for insurers, but limited by opinion-based framing and lack of empirical validation.
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Sources
- Read OriginalInsurance Industry's Spreadsheet Probleminsurancethoughtleadership.com
