AI Decision
Insurance
The world's first per-prediction actuarial AI risk scoring API. 7 risk factors. Lloyd's 2024 base rates. Up to 35% BrainPredict compliance discount. Merkle-anchored evidence pack for D&O claims.
7 Actuarial Risk Factors
Every factor derived from live BrainPredict telemetry — no manual questionnaires
Prediction Confidence
HighLow confidence → high risk load. Confidence > 0.85 → risk reduction.
EU AI Act Tier
CriticalAnnex III high-risk → 3× premium multiplier. Limited risk → 1.2×.
HITL Review
HighDecision reviewed by human → 25% risk reduction. Automated only → base rate.
Model Drift
MediumDrift detected within 7 days → elevated risk. No recent drift → standard.
SHAP Explanation
MediumSHAP explanation present → lower risk (explainable AI discount).
Data Quality
MediumData quality score < 0.7 → risk surcharge. High quality → discount.
Adversarial Flag
HighAdversarial input detected → elevated risk load. Clean input → base.
Insurance-Ready Features
Per-Prediction Scoring
Every AI decision gets an actuarial risk score 0.0–1.0. Not portfolio-level averages — individual decision precision.
Lloyd's Base Rates
Premiums derived from Lloyd's of London 2024 AI liability base rates. Market-standard starting point for D&O negotiations.
BrainPredict Compliance Discount
Up to 35% discount for using BrainPredict compliance features: HITL gates, SHAP explanations, Merkle audit trail.
Merkle Evidence Pack
Every assessment generates a Merkle-anchored insurance evidence pack. Used directly for claims processing — no separate documentation.
EU AI Act Art.73 Integration
High-risk actuarial scores automatically trigger EU AI Act Art.73 incident notification workflow.
D&O Premium Optimisation
Aggregate risk portfolio enables negotiation of better D&O premiums with insurers who understand BrainPredict's compliance posture.
Reduce your AI liability exposure
Per-prediction risk scores + compliance discounts = lower D&O premiums. BrainPredict compliance features qualify you for up to 35% off.
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