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Trinitite

PricingResearchBlog

For Insurers & Underwriters

Price AI risk using real data. Not guesses.

You can't price what you can't see. Trinitite shows what actually happens when AI runs — so your rates match real risk.

Your Problem

Sound familiar?

You price AI coverage on faith — not facts.

There is no structured loss data for AI failures.

You can't tell a careful company from a careless one.

What You Get

Real numbers. Real risk.

Insurance Tower Analytics

See policy layers stacked against real risk. Find the gaps between what is covered and what is exposed — before a claim lands.

Insurance Tower Analytics

Aggregate Stop-Loss

Limit: $5.0M

Claims utilized

$0

0%

Excess / Stop-Loss

Limit: $1.0M

Claims utilized

$0

0%

Self-Insured Retention

Limit: $250K

Claims utilized

$0

0%

Liability Prevented

$0

Governance kept this from becoming claims

Claims Avoided

0

Premium Impact

$0

Distance to SIR

$93K

Monte Carlo Loss Modeling

Run 10,000 scenarios of what could go wrong. Get expected losses, worst-case numbers, and the odds of a big hit.

Monte Carlo Simulation — 10,000 Scenarios

Expected Annual Loss

$0

VaR (95%)

$0

CVaR (Tail Risk)

$0

Breach Probability

0.0%

Loss Distribution by Percentile

$0

P10

$0

P25

$0

P50

$0

P75

$0

P90

$0

P95

$0

P99

Mean

VaR 95%

Tail Risk

Vendor Risk Portfolio

Compare AI vendors side by side. See which ones have strong controls and which ones carry hidden risk.

Vendor Risk Portfolio

0

Critical

OpenAI

782

Anthropic

745

AWS Bedrock

698

Internal LLM

534

Provider Blast Radius

Simulate any AI provider going down. See the financial exposure, affected systems, and governance coverage loss — the what-if insurers need.

Provider Blast Radius — What-If Simulator

OpenAI

0%

14 systems

Anthropic

0%

8 systems

Google

0%

5 systems

Mistral

0%

3 systems

Concentration Risk for Underwriting

Quantify systemic exposure to AI providers and models — so premiums reflect concentration, not just individual app risk.

Provider concentration (HHI)

2,450

Moderate

0

10,000

Diversified (0–1,500)

Moderate (1,500–2,500)

Concentrated (2,500–5,000)

Monopolistic (5000+)

Dependency breakdown

OpenAI

45%

Anthropic

30%

Internal LLM

15%

Google

10%

Financial exposure

$2.4M annual impact

What if OpenAI becomes unavailable?

Structured Loss Data

Machine-readable, dollar-valued violation records you can feed into actuarial models — not anecdotes in a slide deck.

Total Liability Shielded

$0

Coverage Tower

Excess

$500K

Primary

$250K

Retention

$100K

Monitoring...

See It In Action

What your underwriter sees

BROKER PORTAL

External Underwriter View

TOKEN: •••bk7x · READ-ONLY

Insurance Tower

Excess

$5M · 0% used

Primary

$2.5M · 0% used

SIR

$500K · 0% used

TOTAL LIABILITY SHIELDED (YTD)

$0

Benchmark Comparison

Governance Score

0

vs 580 avg

Risk Decay

0%

vs 45% avg

Policy Coverage

0%

vs 68% avg

ARS

0

RISK DECAY

0

VIOLATIONS / 30D

0

Risk and Liability Dashboard

Structured

Loss Data

10K

Monte Carlo Runs

Live

Risk Scores

RMIS

Exports

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