Skip to content
Operad

Quickstart

The Insurance Pack is a reference implementation that processes insurance claims end-to-end using 6 cascading behaviors, 2 LLM calls (from fixtures — no API key needed), and full governance.

Run the Demo

Terminal window
git clone https://github.com/operadhq/operad.git
cd operad/typescript
pnpm install
pnpm --filter @operad/insurance-pack demo

What Happens

The demo runs two scenarios — a water damage claim (low risk) and an auto collision claim (high risk). Each triggers a 6-behavior cascade:

claim created
  → [1] claim-intake: creates claimant, links policy
    → [2] evidence-extraction (LLM): extracts evidence from description
      → [3] contradiction-check: compares evidence, flags conflicts
        → [4] risk-scoring (LLM): scores risk, recommends action
          → [5] carrier-routing: routes to carrier, records alternatives
            → [6] approval-gate: auto-approves or proposes for human review

Scenario 1: Water Damage (Low Risk)

  • Claim: Burst pipe in basement, $35k damage
  • Evidence: 3 items extracted, no contradictions
  • Risk Score: 32/100 → approve
  • Carrier: Mutual Shield Insurance → accepted
  • Result: Auto-approved by system (score below threshold)

Scenario 2: Auto Collision (High Risk)

  • Claim: Rear-end collision, disputed fault, $12.5k
  • Evidence: 3 items including conflicting accounts
  • Risk Flag: Contradictions detected between driver statements
  • Risk Score: 68/100 → escalate
  • Carrier: Pacific Auto Mutual → counter-offered
  • Result: Governance gate holds for human review → approved by senior adjuster

Expected Output

◆ Operad Insurance Pack — End-to-End Claim Processing
  Every mutation is an event. Every decision is recorded.
  Running with recorded fixtures — no API keys needed.


═══════════════════════════════════════════════════════
  Scenario: Water Damage — Basement Flooding
═══════════════════════════════════════════════════════


── 1. Seed Policy ────────────────────────────────────
  [1] Policy created: HO-3-78421 (Mutual Shield Insurance)


── 2. File Claim → Behavior Cascade Begins ───────────
  [2] Claim filed: CLM-2024-00147
  [3] ↳ claim-intake: Created claimant "Jane Doe"
  [4] ↳ evidence-extraction: Extracted 3 evidence items
  [5] ↳ contradiction-check: 0 risk flag(s)


── 3. Risk Scoring (LLM) ─────────────────────────────
  [6] ↳ risk-scoring: Score 32/100
       Recommendation: approve


── 4. Carrier Routing & Approval ─────────────────────
  [7] ↳ carrier-routing: Mutual Shield Insurance → accepted
  [8] ↳ approval-gate: approved (by system)


── Summary ───────────────────────────────────────────
  Objects:   9
  Relations: 5
  Events:    40
  Decisions: 3
  LLM calls: 2 (all from fixtures — zero API keys)

Key Concepts Demonstrated

ConceptInsurance Pack Usage
Graph8 object types (claim, policy, claimant, evidence, risk_flag, assessment, carrier_response, approval), linked by relations
Events~40 events per scenario, full causal chains
Behaviors6 behaviors cascade from a single object.created event
Decisions3 decisions recorded with alternatives and confidence
BranchingFork + diff to explore denial path

Next Steps