{
  "id": "insurance",
  "label": "Insurance",
  "project": "Policy renewal",
  "process": "Commercial policy renewal",
  "participants": [
    "Policyholder",
    "broker",
    "insurer representative",
    "risk surveyor"
  ],
  "document": "Risk declaration v4",
  "pain": "The renewal file does not explain which changes the policyholder disclosed or acknowledged.",
  "benefit": "Survey reports, disclosure revisions and responses remain tied to the renewal.",
  "events": [
    {
      "sequence": 1,
      "time": "2026-09-28T09:15:00Z",
      "action": "Renewal review opened",
      "actor": "Broker",
      "document": "Risk declaration v4",
      "status": "Illustrative recorded event"
    },
    {
      "sequence": 2,
      "time": "2026-09-28T10:15:00Z",
      "action": "Risk survey uploaded",
      "actor": "Risk Surveyor",
      "document": "Risk declaration v4",
      "status": "Illustrative recorded event"
    },
    {
      "sequence": 3,
      "time": "2026-09-28T11:15:00Z",
      "action": "Broker requests revised declaration",
      "actor": "Broker",
      "document": "Risk declaration v4",
      "status": "Illustrative recorded event"
    },
    {
      "sequence": 4,
      "time": "2026-09-28T12:15:00Z",
      "action": "Policyholder signs declaration v4",
      "actor": "Policyholder",
      "document": "Risk declaration v4",
      "status": "Illustrative recorded event"
    },
    {
      "sequence": 5,
      "time": "2026-09-28T13:15:00Z",
      "action": "Terms acknowledgement recorded",
      "actor": "Policyholder",
      "document": "Risk declaration v4",
      "status": "Illustrative recorded event"
    },
    {
      "sequence": 6,
      "time": "2026-09-28T14:15:00Z",
      "action": "Next policy review scheduled",
      "actor": "Broker",
      "document": "Risk declaration v4",
      "status": "Illustrative recorded event"
    }
  ],
  "illustrative": true,
  "cryptographicVerification": "Not a signed evidence pack. Fictional process illustration. No independent timestamp or identity proof."
}