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Conflict Detection
for Insurance

From placement to claims, every step has a conflict hiding in plain sight.

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Common Conflict Patterns in Insurance
The Contingent Commission
A broker earns a contingent commission for placing above a volume threshold with a carrier β€” creating incent…
High Risk
The Adjuster-Vendor Network
A claims adjuster systematically refers water damage claims to a restoration company owned by their brother-in…
Medium Risk
The Captive Conflict
A captive manager creates a reinsurance arrangement through an affiliated entity, routing premium to related p…
Watch
10
Party Types Tracked
3
Conflict Scenarios
Annual
Disclosure Required
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Detection Engine
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Visual Examples

How conflicts actually happen
in Insurance

These diagrams show the relationship patterns ConflictCheck is designed to detect β€” before they become legal or financial crises.

The Kickback Triangle
A manager routes contracts to a secretly owned vendor, who pays kickbacks back. The owner pays inflated prices and never knows.
Pays feesAwards contractsKickback $$$Never disclosedOwner / PrincipalManager!Vendor (secretly owned)
Normal relationship
Kickback / fraud
Hidden / undisclosed
Financial payment
The Dual Role Conflict
One individual serves two parties whose interests are directly opposed β€” a textbook undisclosed conflict of interest.
RepresentsAlso servesUndisclosed benefitParty ASame Person!Party BPersonal Gain
Normal relationship
Kickback / fraud
Hidden / undisclosed
Financial payment
🚨 Real Scenario: The Contingent Commission
A broker earns a contingent commission for placing above a volume threshold with a carrier β€” creating incentive to recommend that carrier regardless of whether it offers the best terms for clients.
What ConflictCheck would flag
⚠ Shared entity or address detected between parties
⚠ Financial transaction with unregistered recipient
⚠ Annual disclosure not completed by key party
Who ConflictCheck Monitors

Every party. Every role.
All mapped automatically.

ConflictCheck tracks all 10 key party types in Insurance β€” cross-referencing relationships and public records continuously.

🀝
Agents / Brokers
Contingent commission arrangements favoring certain carriers
Conflict Risk
🏒
Underwriters
Undisclosed relationships with brokers, personal equity in insureds
Conflict Risk
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Claimants
Fraud, staged losses, related-party claims
Conflict Risk
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Claims Adjusters
Undisclosed relationships with restoration vendors or public adjusters
Conflict Risk
πŸ”„
Reinsurers
Affiliated captive arrangements creating circular risk
Conflict Risk
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Third-Party Administrators
Fee arrangements creating incentive to approve or deny claims
Conflict Risk
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Restoration Vendors
Kickback arrangements with adjusters directing work
Conflict Risk
πŸ“‹
Expert Witnesses / Appraisers
Repeat engagement patterns creating bias toward hiring party
Conflict Risk
βš–οΈ
Defense Counsel
Volume arrangements creating incentive to settle regardless of merit
Conflict Risk
πŸ’°
Captive Managers
Related-party reinsurance, undisclosed beneficial ownership
Conflict Risk
Documented Scenarios

These aren't hypotheticals.
They happen every day.

🚨
The Contingent Commission
A broker earns a contingent commission for placing above a volume threshold with a carrier β€” creating incentive to recommend that carrier regardless of whether it offers the best terms for clients.
🚨
The Adjuster-Vendor Network
A claims adjuster systematically refers water damage claims to a restoration company owned by their brother-in-law, who inflates invoices.
🚨
The Captive Conflict
A captive manager creates a reinsurance arrangement through an affiliated entity, routing premium to related parties without disclosure to the captive owners.
How It Works

Systematic protection,
not one-time audits.

πŸ—ΊοΈ

Map Every Party

Import parties via spreadsheet, document upload, or manual entry. ConflictCheck deduplicates, maps beneficial ownership, and cross-references public records automatically.

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AI Conflict Detection

Our engine finds the connections manual reviews miss β€” shared addresses, overlapping ownership, dual roles, and transaction patterns that indicate fraud.

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Annual Disclosures

Every party certifies annually. Overdue disclosures escalate automatically. Everything stored immutably β€” timestamped, signed, legally defensible.

Other Industries

ConflictCheck covers 20 industries.

Ready to map your Insurance
conflict exposure?

Start your free 180-day trial. Add your parties in minutes. ConflictCheck does the rest.