ClaimGuard: Multi-Agent Insurance Claims System

ClaimGuard is a multi-agent auto-insurance claims system that treats data governance as a first-class collaboration problem, not an afterthought. Four agents — Intake, Assessment, Payout, and a Compliance Firewall — communicate entirely through Band. Most multi-agent demos pass full records down a fixed pipeline, leaking sensitive data (SSNs, medical details, bank accounts) to agents that never needed it. ClaimGuard inverts this: the Compliance Firewall is a queryable Band participant, not a preprocessing step. Before Assessment or Payout act on any claim data, they actively request clearance over Band — "I am Assessment, clear me for my role" — and the Firewall responds with only the fields that agent is permitted to see, plus a logged justification for every decision. The firewall itself is a deterministic policy engine, not an LLM—compliance decisions must be auditable and immune to prompt injection, not probabilistic. Intake extracts structured claims from free text and validates policy status; Assessment runs a RAG-powered Four-Point Coverage Analysis against real policy documents to approve, deny, or escalate; Payout simulates disbursement. Every firewall decision is logged with a field-level reason, producing a complete data-minimization audit trail