The product
AI Gateway sits between every application calling a model and the models themselves. It routes traffic across providers - OpenAI, Anthropic, Bedrock, self-hosted - by cost, latency, and policy. It enforces per-team spend caps. It logs every call with tokens in, tokens out, and the policy applied. When procurement asks where the AI budget went, Gateway tells them. When a provider quietly deprecates a model, Gateway swaps without a code change. It is the control plane you wish you had put in front of the pilot before it grew into four production systems.
Why Insurance is different
Insurance carriers operate under state-by-state regulation in the US, with every new model subject to rate filings, NAIC model governance guidance, and the emerging NAIC AI Model Bulletin. Claims adjudication, underwriting, and fraud scoring are actuarial-grade decisions, an AI agent that touches any of them needs bias testing, adverse action notices, and the ability to reproduce a historical decision on demand. Consumer complaint rates get filed with the state. If a model is producing disparate outcomes by protected class, the filing is what surfaces it - and the penalty is not a fine, it is losing the right to sell in that state. The compliance team will not trust a model that does not log every input, every output, and every policy version that produced the decision.
How Gateway plugs into insurance reality
For insurance carriers, AI Gateway gives the rate-filing team the traceability they need to defend a model to a state regulator. Every call logged with the input variables, the output decision, and the policy that gated it. When a consumer complaint flags a disparate outcome, the gateway can reproduce the exact decision path. Per-line-of-business cost caps mean claims, underwriting, and fraud teams each get their own AI budget envelope without a vendor contract to renegotiate.
From proof-of-concept to production
Most insurance AI projects die between the pilot demo and the first regulatory review. The demo proves the model can do the task, the review asks whether the system will do it the same way a year from now, whether the audit trail survives a schema change, and whether the vendor will be around to sign the control attestation.
Gateway answers those questions by design. Policies are versioned in source control, not hidden in prompts. Audit trails are first-class artifacts, not log scraps. Governance is a platform feature, not a tab in a spreadsheet. When your insurance compliance team meets the system for the first time, they see what they already recognize: a register entry, a validation doc, and a violations feed they can query.
Next step
The fastest way to know whether Gateway fits your insurance stack is a 90-minute architecture review. You bring the architecture and the three hardest questions. We bring the deployment patterns we have seen work. The output is a written findings doc - not slides - that your team can use whether or not you end up working with us.
Next step
Map Gateway against your stack in 90 minutes.