AI-Native Insurance for Agentic AI: Pricing, Underwriting, and End-to-End Automation

arXiv cs.AI · 18 hours ago

Researchers developed a mathematical framework for insuring autonomous AI systems that make independent decisions and interact with external services. The framework maps risk factors including autonomy level, operational authority, and governance maturity to insurance pricing, coverage limits, and contract terms, with constraints on participation and profitability. Insurance becomes both an operational cost and regulatory tool for controlling AI deployment risks, demonstrated through a healthcare case study.