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Methodology · public document

APIR Insurance Score™

The 0–100 rating that bridges AI compliance posture and risk pricing, the underwriting data layer for E&O, professional liability, and cyber policies covering AI deployments. APIR produces the rating and the evidence; licensed carriers and brokers price and bind any policy, not APIR.

Eight sub-scores

01

Behavioral Reliability

Weight 20%

Action verification rate, rule compliance, high-risk action share

02

Incident History

Weight 20%

Critical + open incidents, resolution record

03

Compliance Coverage

Weight 15%

Framework compliance status (EU AI Act · NIST · ISO 42001)

04

Drift Stability

Weight 15%

Behavioral drift, fingerprint divergence, audit anomalies

05

Containment Readiness

Weight 10%

Ghost Audit coverage, active monitoring, audit depth

06

Data Governance

Weight 8%

Trust score contribution, platform registration, compliance

07

Transparency

Weight 7%

Traceability: platform, model identity, fingerprint baseline

08

Human Oversight

Weight 5%

Decision authority model, human review rate, monitoring

Scoring formula

Each sub-score is 0–100. The Insurance Score is the weighted blend, rounded to one decimal:

insurance_score = round₁( Σᵢ (sub_scoreᵢ × weightᵢ) )    where Σᵢ weightᵢ = 1.00

Rating-agency grade bands map the score to an underwriting outcome:

AAA

≥ 90

Exceptional: strongest underwriting position

AA

≥ 85

Excellent

A

≥ 80

Strong: standard terms expected

BBB

≥ 75

Good

BB

≥ 70

Adequate

B

≥ 65

Certifiable minimum: substandard terms

CCC

≥ 55

Weak: high-risk tier

CC

≥ 45

Very weak

C

≥ 35

Restricted: generally excluded

D

≥ 0

Uninsurable in current state

Insurability tiers & certification

The score also maps to an insurability tier, the vocabulary brokers see on every APIR surface:

Standard≥ 80Insurable: verify GL AI exclusions (CG 40 47/48) with your broker
Substandard≥ 65Insurable with elevated premiums and coverage restrictions
High Risk≥ 50Significant restrictions: specialized AI liability cover required
Restricted≥ 35Generally excluded: remediation required before cover
Uninsurable≥ 0Below minimum threshold: not currently insurable

Certification threshold: 65. Agents scoring grade B / substandard-or-better are eligible for an APIR Insurability Certificate, issued only by a human-triggered issuance call, valid 365 days, publicly verifiable.

Note: the APIR Insurance Score is 0–100. The FICO-style 300–850 scale belongs to the separate APIR Agent Credit Bureau product.

Worked example

An agent with:

behavioral_reliability:  82  (weight .20)
incident_history:        75  (weight .20)
compliance_coverage:     90  (weight .15)
drift_stability:         85  (weight .15)
containment_readiness:  100  (weight .10)
data_governance:         80  (weight .08)
transparency:            70  (weight .07)
human_oversight:         88  (weight .05)

Produces:

insurance_score = 82×.20 + 75×.20 + 90×.15 + 85×.15 +
                  100×.10 + 80×.08 + 70×.07 + 88×.05
                = 16.4 + 15.0 + 13.5 + 12.75 + 10.0 + 6.4 + 4.9 + 4.4
                = 83.4  →  Grade A  ·  insurability: standard

A broker pricing an E&O policy for this agent sees Grade A / standard tier: insurable on standard terms, with GL AI exclusions (CG 40 47/48) to verify on the existing policy.

Reproducibility

Every agent_insurance_scores row carries the methodology_version that produced it, and every rescore appends to an immutable score history. A broker pulling a score knows exactly which version of this rubric was applied; historical scores stay comparable even after methodology updates. One engine computes every score, there is no second code path.

Citing this document

APIR Intelligence. (2026). APIR Insurance Score Methodology v1.1.0.
https://apir.ai/insurance/methodology
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