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Navigate risk, create value — expertise you can trust
Insurance Risk and Regulatory services
PwC’s team of insurance risk and regulatory compliance professionals
We are a multidisciplinary team helping insurers navigate complexity with confidence. Drawing on deep expertise across life and property & casualty insurance, we work with clients to anticipate regulatory change, manage risk holistically, and embed technology-enabled solutions that drive resilience and sustained performance. Our professionals combine industry insight, regulatory fluency, and operational know-how to deliver risk-informed, high-impact solutions that build trust and create lasting value in an evolving insurance landscape.
Our insurance regulatory services
- Regulatory compliance
- Risk
- Internal audit
Regulatory compliance
Compliance assessments / lines of defense (LOD) governance / cost transformation – Evaluation and enhancement of compliance programs, governance structures across the lines of defense (LOD), and operational cost models to improve effectiveness and reduce redundancies
Generative AI use cases & AI governance – Development of AI governance frameworks, execution of regulatory readiness assessments (e.g., NAIC Model Bulletin, Colorado, NYDFS), and implementation of generative AI use cases within risk and compliance functions
Insurance managed services – Ongoing operational support for risk and compliance functions, including regulatory monitoring, control execution, testing, and reporting—delivered through an outsourced or co-sourced model to drive efficiency and scale
SOX / ICFR – Support for internal control design, documentation, testing, and optimization incompliance with SOX and internal control over financial reporting (ICFR) requirements
NAIC / regulatory developments – Ongoing monitoring and analysis of regulatory updates, including NAIC priorities, with translation into actionable compliance strategies and organizational impact assessments
Transactions / deals – Advisory services throughout the deal lifecycle, including risk and compliance due diligence, regulatory assessments, and integration planning to preserve value and manage exposure
Risk
Risk assessments & implementation – Structured evaluation of key operational, financial, and regulatory risks, followed by implementation of customized frameworks, controls, and action plans to strengthen risk management practices
Enterprise / operational risk program design – Design and buildout of scalable enterprise and operational risk programs, integrated with business processes and aligned to regulatory expectations and industry standards
Technology risk – Identification, assessment, and mitigation of risks related to cybersecurity, data privacy, third-party technology, and IT infrastructure resilience
Control automation – Digitization and automation of control activities through workflows and tools that enhance accuracy, consistency, and traceability while reducing manual burden
Capital / financial risk – Assessment and management of capital adequacy, liquidity, and financial risk through modeling, stress testing, and compliance with regulatory capital frameworks such as RBC and ORSA
Tools & technology – Deployment of third-party and alliance-driven technology solutions that enhance risk oversight, automate compliance tasks, and improve reporting and decision-making
Internal audit
- Internal audit – Modernization of internal audit functions through risk-based planning, use of data analytics, and alignment with governance and regulatory requirements to deliver strategic value
Next in Insurance
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