Fijishi Certification - Certification of AI decisions against a named standard.
What Fijishi certifies
Fijishi Certification is how Fijishi certifies AI decisions for firms, including insurers and reinsurers. It asks one question of one named AI system: can the firm show which rule the system's decisions met, who was accountable and who could stop it? The answer is measured against a named standard, not opinion.
Decisions we examine
- Underwriting – whether to offer cover, and on what terms.
- Pricing – the premium a customer is quoted.
- Reserving – the amounts set aside for claims not yet paid.
- Claims – whether a claim is paid, how much, and how fast.
- Fraud detection – which claims or applications are flagged for investigation.
- Customer contact – what customers are told and offered, including by chatbots and other AI agents.
- Credit – whether a loan or credit limit is approved, and on what terms.
- Financial crime – which customers or payments are flagged in KYC and anti-money-laundering checks.
For each, the question is the same: which rule the decision met, who was accountable and who could stop it.
See an illustrative finding (hypothetical; not a client engagement).
Draft criteria, developed in public: Standards in development.
How this differs from existing audit practice
Compliance audits examine whether processes are documented and followed. Responsible-AI assessments examine whether an organisation's stated principles are reflected in its governance. Technical assurance tests whether a system works. Each has real value. Fijishi asks a narrower question that comes after them: for one named system and one named rule, does the record show that the system's decisions meet that rule, who was accountable and who could stop them, in a form that can be put before a regulator, a court or an insurer?
It is offered where that question sits outside the scope of the audits already in place – not because those audits have failed.
The two certifications
| Feature | Kill-Switch Certificate | Baseline Review |
|---|---|---|
| Scope | One named AI system, one named override or human-review requirement | One named AI system, one named standard in force |
| Question answered | Does the system's override or human-review mechanism meet this requirement? | Does the system meet the named standard, criterion by criterion? |
| What it covers | How the override or human review is invoked, by whom, and what record it produces | Override authority, audit-trail completeness and data-handling boundaries, as far as the named standard addresses them |
| Finding | Whether the mechanism meets the requirement and, where it does not, what would need to change | A criterion-by-criterion finding: where the system stands against the standard, and what is missing |
| Turnaround | Scoped for 1-2 weeks once system documentation is provided; confirmed at intake | Confirmed at intake |
| Fee | Fixed at intake, before any work begins | Fixed at intake, before any work begins |
| Best suited to | One named requirement that applies now - for example, a human-review requirement in force for decisions based solely on automated processing - or a published draft, or a rule adopted but not yet in application, as a readiness finding. | A broader review ahead of a regulatory examination, a legal proceeding or an insurer's underwriting review |
Which one do you need?
Not sure which applies? Describe the system and the rule you are concerned with when you write in. We confirm the right scope at intake. Intake has no fee.
For reinsurers, capacity providers and investors
A reinsurer or capacity provider may commission a review of an AI system that a cedant or coverholder uses in business it reinsures or backs - only with that firm's written agreement. An investor considering an investment in a firm may commission the same review, with that firm's written agreement. The commissioning party is the client and owns the finding; the reviewed firm receives a copy, and counts as a Fijishi client for the Juris firewall.
The independence rule applies unchanged: the fee is fixed at intake, before any work begins, and does not depend on the finding, and Fijishi does not certify a system it helped design or build.
What a reinsurer's finding answers
For one named AI system in the business it reinsures or backs, the finding answers, against the requirement named at intake:
- which rule the system's decisions have to meet;
- who at the cedant or coverholder is accountable for them;
- who can stop or override them, how quickly, and whether that has been tested;
- whether a single decision can be reconstructed from the record;
- where a vendor runs the system, whether the cedant or coverholder keeps the right and the means to stop it.
Each answer is stated in words, with what met the requirement, what did not, and what would need to change. The same finding can be relied on at renewal, in place of a questionnaire the reviewed firm completes about itself. See an illustrative finding (hypothetical; not a client engagement).
For AI vendors
An AI vendor may commission a Kill-Switch Certificate or a Baseline Review on its own system, measured against a named requirement its customers face. The vendor is the client and owns the finding, and may share it whole with customers, with its date and the requirement it was measured against. A finding covers one named system and one requirement; it is not an endorsement of the vendor and not a mark the vendor may display. Fijishi never reviews, for a buyer, the contract for a product it has certified, and never takes a Procurement Review fee from a vendor.
For investors
An investor may commission a finding on an AI system of a company it is considering, as part of its due diligence - only with that company's written agreement. The investor is the client and owns the finding; the company receives a copy, and counts as a Fijishi client for the Juris firewall. The fee is fixed at intake and does not depend on whether the investment goes ahead.
For brokers and advisers
Brokers, captive managers and advisers may point a client to Fijishi. No referral fee is paid or accepted, either way; the client engages Fijishi directly.
What a board receives
A written finding that states:
- the requirement or standard the decision was measured against;
- who the record shows was accountable for the decision;
- whether the decision could be stopped or overridden, and by whom;
- where the requirement is not met, what would need to change.
The finding is stated in words, criterion by criterion. A short plain-language summary for the board or audit committee can be added at intake.
Sharing your finding
The client owns the finding and may share it with anyone it chooses – for example its reinsurer, capacity provider, auditor or board. If the client quotes the finding publicly, it quotes it whole, with its date and the requirement it was measured against. Fijishi does not share a finding with anyone else without the client's written agreement.
The standard
Each engagement measures against a standard named at intake: a rule or standard that applies to the system, not Fijishi's own view. The Kill-Switch Certificate may also measure against a published draft, or a rule adopted but not yet in application (for example the EU AI Act's high-risk duties, which apply from 2 December 2027), as a readiness finding that says so; the Baseline Review measures only against a standard in force. Fijishi's draft criteria, in Standards in development, are not the standard it certifies against.
What Fijishi Certification does not do
Fijishi does not bill by the hour and does not offer open-ended retainers. Every engagement is fixed in scope, with the fee fixed at intake, and produces a single deliverable: the finding. The firm owns the finding outright; there is no ongoing dependency on Fijishi to interpret or maintain it.
A finding is not a certification by, or approval from, any regulator, and it is not legal advice. Fijishi does not certify a system it helped design or build.
Start an engagement
Write to protocol@fijishi.com with the AI system, the rule it must meet and any deadline. We reply within 5 business days. Start an engagement