For risk carriers
Every E&O, D&O, and cyber policy now indirectly covers AI-enabled work. Nobody is pricing the correlated failure modes. We give carriers, reinsurers, and PE diligence teams a reproducible RiskBundle — the same evidence SeaOtter delivers to the rated enterprise, reframed for the balance sheet that absorbs the loss.
Request a sample RiskBundle →The rated enterprise has an incentive to game its own score. You don't — you want the bad news, and you want it first. That is why the risk-carrier view is a separate surface with separate deliverables.
The underwriter's problem is not 'is this firm good at AI?'. It is 'how correlated are their AI failure modes with everyone else I insure, and what is the tail?' That is a portfolio question the rated firm cannot answer about itself.
Five metrics, per workflow, refreshed on a cadence you set. Plain-English definitions; full methodology under NDA.
How concentrated the insured is on any one model provider, fine-tune, or vendor stack. High values mean a single outage cascades across insureds you share.
Dependency depth and fan-out of AI-mediated steps. Tells you how far a silent-failure propagates before a human catches it.
The set of input distributions where model quality quietly drops below the human floor. Maps your largest unpriced loss mode.
P95 and P99 dollar loss under a named scenario (model outage, upstream data poisoning, regulator halt). Not a headline number — an auditable simulation.
Residual risk after the insured's own controls (human-in-the-loop, canarying, roll-back, vendor diversity). Drives premium credits.
Hypothetical Fortune-500 ML team. Numbers are illustrative — real bundles are delivered under NDA.
Underwriter recommendation
Price with a 12% loading against peer-median; eligible for 4% credit on proof of second-provider fallback within 90 days.
Illustrative only. Live RiskBundles include methodology appendix, scenario definitions, and a reproducible scoring harness.
Three entry points, matched to the buyer inside your firm who is already on the hook.
$50K
One insured, one workflow, one report. NDA. 2-week turnaround.
$250K/yr
Ongoing risk feed for one carrier across all AI-exposed insureds. Monthly refresh.
Custom
For reinsurers and large PE diligence teams. The Verisk/RMS analogue for AI-labour risk.
Redacted sample of the bundle shown above, delivered within one business day. No sales call required.