​

​

Immutable Evidence for Insurance, Underwriting, and Claims Decisions

The Veritas Claims Integrity Layer (VCIL™) is a cryptographically anchored provenance system designed to secure the full lifecycle of insurance claims and underwriting decisions.
It ensures that every supporting document, photograph, inspection record, adjustment change, communication, and risk decision is captured with tamper-proof lineage.

VCIL prevents fraud, protects insurers, and provides regulators with verifiable evidence that every claim decision was made using authentic, unaltered information.

The Problem VCIL Solves

Insurance claims are vulnerable to manipulation at multiple points:

• Photos can be digitally altered

• Damage assessments can be revised without record

• Third-party documentation can be replaced

• Claimant submissions can change over time

• Adjusters may inadvertently overwrite evidence

• Internal systems rarely preserve cryptographic lineage

• Regulators cannot validate the authenticity or history of documents

This leads to:

• Increased fraud exposure

• Disputes with policyholders

• Regulatory findings

• Litigation risk

• Settlement delays

• Higher loss ratios

VCIL removes these vulnerabilities by ensuring that every artifact has immutable provenance.

How VCIL™ Works

VCIL applies the Veritas Method to every element of a claim or underwriting file:

1. Continuous Artifact Capture
   All submitted evidence, adjuster notes, inspection reports, and communications are ingested as soon as they are produced.

2. Cryptographic Sealing
   Each artifact receives a Veritas-integrity seal with timestamp, origin, and unique lineage metadata.

3. Immutable Anchoring
   All evidence is anchored to an immutable ledger to prevent deletion, modification, or substitution.

4. Lineage-Informed Decision Path
   Every decision made on a claim—approval, denial, adjustment—is linked to the exact evidence available at that time.

5. Regulator-Independent Verification
   Insurance regulators can independently validate that claim decisions were based on unaltered, authentic evidence.

The result is a complete, tamper-proof chain of truth for every claim.

What VCIL™ Provides

For Insurers

• Evidence that cannot be altered or disputed

• A defensible audit trail for every claims decision

• Reduced fraud risk across digital and physical evidence

• Lower litigation exposure

• Faster regulatory examinations

• Documented compliance with statutory obligations

For Regulators

• Authentic, cryptographically verifiable artifacts

• Clear lineage showing how evidence changed over time

• Transparent insight into decision-making processes

• Elimination of unverifiable or substituted documents

For Policyholders

• Trust that claims were processed using real, unmodified evidence

• Reduced disputes and appeals

• Fair, transparent adjudication

Ideal For

VCIL is engineered for all sectors of the insurance ecosystem:

• P&C (Property & Casualty)

• Auto and Collision

• Health and Medical

• Life and Disability

• Commercial and Industrial Lines

• Reinsurance

• Adjusting Firms

• Insurance Regulators

• Forensic Investigation Units

Any claim or underwriting process that relies on evidence benefits from VCIL.

Regulatory Alignment

Insurance Oversight

• State and provincial insurance regulators

• National insurance bureaus

• Solvency and market conduct examinations

• Anti-fraud statutes

• Fair claims practices laws

Security and Governance

• NIST

• ISO 27001

• SOC 2

• GLBA

Legal and Litigation

• Chain-of-custody requirements

• Discovery and evidence preservation

• Independent verifiability for courts and arbitrators

VCIL satisfies regulatory expectations for transparency, fairness, and evidence integrity.

Why VCIL™ Is Different

Traditional claims systems store files.
VCIL stores truth.

Once evidence enters VCIL:

• It cannot be altered

• It cannot be deleted

• It cannot be replaced

• Its lineage cannot be obscured

• Decisions cannot be retroactively justified

Every claim becomes backed by an immutable, regulator-verifiable evidence chain.

This eliminates disputes, accelerates settlements, and protects insurers from both fraud and liability.

Message From the Founder

“Insurance depends on trust—trust that the evidence is real, the decision is fair, and the process is defensible.
VCIL ensures every claim is built on immutable truth, giving insurers and regulators complete confidence in the outcome.”

Ben Shaun Quinn-Reed
Founder, Veritas Labs