Multi-market compliance infrastructure

Compliance, codified.

The compliance layer for regulated content.

For MGAs and embedded insurance providers expanding across jurisdictions. A signed-off compliance ruleset per market, an AI-assisted pipeline that cleans your wordings against it, and an audit ledger that records risk positions, rationales, and approvers.

The problem

Multi-market compliance is a tax on growth.

In regulated companies, wording compliance lives in email threads, meeting minutes, and one-off lawyer notes. Nobody owns it. The cost lands in four places: revenue, growth, operations, and the licence itself.

01 · REVENUE

Partner churn

When wordings cause friction, distribution partners walk. Revenue you've already won, leaving the door behind them.

02 · GROWTH

Stalled launches

New partners can't go live until wordings are clean. Pipeline backs up while compliance plays catch-up.

03 · OPS

Bespoke rework

Lawyers, PMs, and insurance managers caught in one-off rework cycles instead of building the company.

04 · LICENCE

Regulator risk

A regulator that judges your governance inadequate can revoke your licence to operate. The deepest leg of the pain.

How it works

From draft wording to market-ready, in days.

Semantiq is four parts working as one system. Lose any one and the value collapses.

Execution / Pipeline runs / Northwind Cover — Travel Protection · DE (de-DE) Exported
Sample · synthetic data
Intake Ruleset Wording Assessment Remediation & Risk Decisions Final Approval Translation
Overview Ruleset Wording Assessment Remediation & Risk Final Approval Translation Audit
Readiness assessment

Round 1  ·  Status complete  ·  Model claude-opus-4-7  ·  Latency 198.4s

Pass8
Fail28
N/A3
Critical fails12
Integrity fails4
Executive summary. The wording is a generic pan-European travel insurance affinity product, drafted in English for a DACH consumer audience. It misses the §8 VVG widerrufsrecht (14-day withdrawal), the IDD-aligned IPID, and German-language statutory mentions. ADR routes to the UK Financial Ombudsman; German consumers must be directed to the Versicherungsombudsmann. 12 critical failures across structural, distribution, and consumer protection domains. Readiness for the German market is very low. Confidence: high.
Integrity cross-checks (4)
Language match

Wording drafted in English (en-GB); target distribution requires translation to German for consumer-facing documents.

ADR consistency

Wording references the UK Financial Ombudsman Service. German consumers must be directed to the Versicherungsombudsmann.

Jurisdiction alignment

Governing law clause specifies England and Wales. German consumer-protection mandates German law and venue for B2C contracts.

Disclosure completeness

IPID (Insurance Product Information Document) absent; mandatory under IDD Art. 20.

Rule-level findings (sample)
DE-CONS-001 Fail 14-day withdrawal right (§8 VVG) not stated in policy wording.
DE-DIST-002 Pass Pre-contractual disclosures present and consistent with VVG-InfoV.
DE-CONS-005 Risk-accepted ADR routes to in-house complaints handler; Versicherungsombudsmann referenced as escalation only.
DE-LANG-001 Fail Statutory mentions present in English only; German translation required for consumer-facing fields.
DE-CLA-003 Pass Notification timeframe correctly aligned with §28 VVG.
01 · Ruleset
A signed-off compliance position per market.

AI-researched, human-ratified, version-controlled. The whole organisation works from one source of truth on what compliance means in each market. Not a lawyer's email, not a slide deck, not an LLM's best guess.

02 · Pipeline
Clean any source wording against the ruleset.

Assess, decide a position, remediate, translate. AI does the heavy lift; humans gate the risk decisions. The output is a market-ready wording with every change traced.

03 · Ledger
Every decision, addressable years later.

When a regulator asks why a clause says what it says, the answer is in the ledger. Citation, severity, sign-off, the person who approved it. All attached to the wording, all retrievable in minutes.

04 · Monitoring
Health-check on every live wording.

When rules change or wordings drift, you know first. The system converts you from reactive to proactive. From "someone complained" to "we caught it before it shipped."

Why us

"Before Semantiq, localisation touched every department. Nobody owned it. They gave it a home."

Chief Risk Officer  ·  Global insurer

Why Semantiq

Built where the others stop.

Regulated companies default to four playbooks. Each handles part of the problem. None handle the whole system. Semantiq is built for what they can't do together.

01 · Counsel

External lawyers, every market

Bespoke work. Non-recyclable. No system of record. £1–3k an hour for a one-off opinion that lives in someone's inbox.

02 · In-house

Hire a specialist per jurisdiction

Six- to twelve-month ramp. £150k+ per FTE. Still no audit trail. Still no monitoring. The cost stays even when activity drops.

03 · DIY-AI

"Just paste it into ChatGPT"

Hallucinations. No citations. No human gates. No defence when the regulator asks where your compliance position came from.

04 · Status quo

Accept the risk

Hope nothing surfaces. Wait for partners or regulators to catch it. Pay the cost in churn, stalled growth, and licence exposure.

Next step

See it on your wording.

A 30-minute walkthrough. We'll look at one of your live wordings against a signed-off ruleset and show you what a Semantiq audit looks like: defects, citations, remediation, and the audit trail that comes with it.