Methodology · public documentAPIR 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
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 evidence band a broker can price against:
AAA
≥ 90
Strongest evidence coverage
AA
≥ 85
Very strong
A
≥ 80
Strong
BBB
≥ 75
Good
BB
≥ 70
Adequate
B
≥ 65
Minimum evidenced threshold
CCC
≥ 55
Weak evidence coverage
CC
≥ 45
Very weak
C
≥ 35
Severely limited
D
≥ 0
Not evidenced
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 at grade B or above are eligible for an APIR Evidence Certificate, issued only by a human-triggered call, valid 365 days, publicly verifiable. It attests what the record contained on the day it was issued. It is not a statement about insurance.
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: standardThe worked example produces 83.4, which is Grade A. What that number means for any policy is a question for a licensed broker. APIR does not price, place or assess cover, and has no underwriting partner.
Reproducibility
Every agent_insurance_scores row carries the methodology_version that produced it, and every rescore appends to a tamper-evident 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