ASI Insurance Readiness Framework

The AI Security Insurance
Underwriting Framework

A quantitative methodology for evaluating AI-specific insurability risk across five critical domains. The industry's first scoring framework purpose-built for cyber insurance underwriting of AI-dependent organizations.

21 Pages
March 2026 Published
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Framework Overview

What's Inside

01

Five Scoring Domains

Model Integrity & Validation, Output Liability & Content Risk, AI Supply Chain Security, Regulatory & Compliance Alignment, and Systemic Resilience & Continuity — each with weighted sub-factors.

02

25 Weighted Factors

Discrete, measurable factors across all five domains producing a composite 0–100 AI Insurance Readiness Score with five tier classifications.

03

Underwriting Integration

Direct mapping of AIRS scores to premium adjustments, coverage conditions, exclusion triggers, and portfolio-level risk aggregation for carriers.

04

Regulatory Alignment

Framework calibrated to EU AI Act high-risk requirements, NIST AI RMF, ISO 42001, and emerging state-level AI governance mandates.

05

Market Context

Analysis of the $16.3B cyber insurance market's structural gaps in pricing AI-specific risk, with data from Munich Re, Willis Towers Watson, and Gallagher.

06

Implementation Roadmap

30-60-90 day deployment guidance for carriers, MGAs, and brokers integrating AIRS into existing underwriting workflows.

The Five Domains

Scoring Architecture

01
Model Integrity & Validation Evaluates training data provenance, model documentation, validation testing, and drift monitoring controls.
25%
Weight
02
Output Liability & Content Risk Assesses harmful output exposure, human oversight mechanisms, content filtering, and incident response readiness.
20%
Weight
03
AI Supply Chain Security Reviews third-party model dependencies, API integrations, vendor risk management, and software bill of materials.
20%
Weight
04
Regulatory & Compliance Alignment Maps organizational posture to EU AI Act, NIST AI RMF, ISO 42001, and applicable sectoral obligations.
15%
Weight
05
Systemic Resilience & Continuity Examines business continuity planning, AI system redundancy, failure mode analysis, and recovery time objectives.
20%
Weight

Access the Full Methodology

The complete 21-page framework including scoring methodology, factor definitions, tier classifications, and underwriting integration guidance.

Download White Paper (PDF)

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