Insurance¶

Coalex provides data-driven risk profiles that help enterprises qualify for AI liability insurance — a growing requirement for deploying AI in regulated markets.

Why AI Insurance?¶

As AI agents make decisions that affect customers, enterprises face liability risks:

Incorrect medical advice from a healthcare agent
Wrong claim assessment from an insurance agent
Biased recommendations from a lending agent

AI liability insurance covers these risks. Coalex provides the governance data that insurers need to assess and price that coverage.

Risk Profile¶

Coalex generates a risk profile for each agent based on:

Factor	Weight	Source
Health score	High	Rolling evaluation outcomes
Escalation rate	High	Percentage of outputs escalated
Resolution quality	Medium	Correction rates and metric scores
Human oversight coverage	Medium	Percentage of escalations resolved
Response time	Low	Time from escalation to resolution
Compliance status	Medium	Active regulatory framework tracking

How It Works¶

graph LR
    A[Governance Data] --> B[Risk Profile]
    B --> C[Insurance Scoring]
    C --> D[Premium Estimation]

    style A fill:#6366f1,color:#fff
    style D fill:#10b981,color:#fff

Governance data — Collected automatically through Track and Protect
Risk profile — Generated from evaluation history, escalation patterns, and compliance status
Insurance scoring — Shared with insurance partners (with your consent)
Premium estimation — Lower risk profiles qualify for better coverage terms

Benefits¶

Lower premiums — Demonstrable AI governance reduces insurance costs
Faster underwriting — Insurers get structured data instead of questionnaires
Continuous monitoring — Risk profiles update in real-time as governance data changes
Regulatory alignment — Insurance requirements often overlap with EU AI Act and ISO 42001

Getting Started¶

Insurance scoring is available as part of the Coalex Enterprise plan. Contact your account manager or reach out at sales@coalex.ai for more information.