TSUMS Financial and Insurance Risk Governance Tier v1.0: Pre-Incident Risk Interpretation, Duty-of-Care Signals, and Replayable Claim Review Interface

This document defines TSUMS Financial and Insurance Risk Governance Tier v1.0, a public-layer governance profile for pre-incident risk interpretation, duty-of-care signal review, evidence-chain alignment, and replayable claim review interfaces in high-risk environments. The profile is designed for institutional risk governance, insurance review dialogue, financial risk interpretation, disaster risk reduction, public-sector accountability, post-incident learning, and privacy-bounded audit contexts. It establishes that pre-incident risk signals, verified governance states, duty-of-care indicators, and field evidence records may support structured human review without becoming automated claim denial, legal liability determination, insurance pricing logic, or enforcement action. This document does not disclose TSUMS core scoring algorithms, internal weights, operational thresholds, financial pricing formulas, claim denial logic, proprietary trigger functions, enforcement logic, or executable governance engine design. The principle is: Black box closed. Review trail open. Insurance should not punish uncertainty. Governance should make foreseeable risk reviewable before loss becomes the only evidence.