Solutions / Insurance
Insurers handle some of the most sensitive personal data on earth — health, financial, biometric, claims history. Clarip helps carriers, brokers, and insurtechs collect it lawfully, protect it across systems, and respond to policyholder rights at the speed regulators expect.
Trusted by leading P&C, life, and health carriers
The challenge
Underwriting, claims, and distribution generate a sprawling trail of PII, PHI, and financial data — across legacy core systems, agent portals, and modern customer apps.
Underwriting and claims often require sensitive health information that triggers HIPAA, GLBA, and state insurance privacy rules simultaneously.
Independent producers and MGAs collect data on your behalf — but enforcing consent and retention across the channel is hard.
Policy admin, claims, and billing platforms weren't built for DSRs, deletion, or modern data-mapping requirements.
NYDFS, NAIC Model Law, and state AGs each impose tight notification clocks with steep penalties for delay.
Capabilities
Clarip unifies and automates consent, data discovery, subject rights, and risk intelligence — purpose-built for carriers, brokers, and insurtechs.
Use Cases
Capture lawful consent for credit, telematics, and health pulls — and prove it years later if challenged.
Govern access to medical records, photos, and statements across adjusters, SIU, and outside counsel.
Manage opt-in/out for usage-based insurance and keep retention aligned with state-specific rules.
Extend consent and data-rights workflows to your distribution channel without rebuilding their systems.
Customer story
"Clarip gave us a single source of truth for consent across our personal lines, group, and direct-to-consumer brands — and cut DSR turnaround from weeks to under three days."
Chief Privacy Officer · Top-25 U.S. carrier
faster DSR fulfillment
of state filings on time
Regulatory coverage
Out-of-the-box workflows, disclosures, and reports for the regulations that matter most to insurers — updated continuously by Clarip's privacy research team.
Quick answers to the questions privacy, legal, and engineering teams most often ask about Insurance.
Clarip's Automated Data Mapping continuously scans policy administration, claims, underwriting, and analytics platforms to identify and classify NPI, PHI, telematics, and third-party data. Insurers get a current inventory that supports GLBA Safeguards, state insurance privacy rules, and the data-lineage requirements of AI governance.
Clarip's Universal Consent Management Platform unifies consent across direct, agent, broker, and digital channels — including marketing, telematics, wellness program, and data-sharing consents. Carriers can demonstrate the lawful basis for every use of policyholder data, including AI-driven underwriting and pricing.
Clarip's DSR fulfillment automates access, correction, and deletion requests across policy, claims, and marketing systems while respecting GLBA and state-insurance-law exemptions. Insurers meet response timelines without manual coordination across business units and TPAs.
Clarip provides a model inventory tied to data lineage and consent, with documentation and monitoring aligned to NAIC governance expectations, Colorado's bias-testing requirements for life insurance, and the EU AI Act's high-risk obligations. Insurers can answer regulators with evidence — not narrative — about how each rating, underwriting, or claims model was built and is monitored.
Clarip controls and logs the policyholder and claim data exposed to generative tools, enforces consent and purpose checks on retrieval sources, and produces audit trails required by insurance regulators. Carriers can deploy generative copilots without creating new bias, transparency, or unfair-discrimination exposure.
Clarip provides an end-to-end platform for CCPA/CPRA: cookie consent and GPC handling, a DSR portal with ID verification, automated data mapping and ROPA, vendor management with CPRA-compliant DPAs, and templated risk and cybersecurity assessments — all with audit-ready evidence.
Get a 30-minute walkthrough tailored to your policy admin, claims, and distribution systems — and a custom risk assessment of your top consumer-facing properties.