Traditional cyber underwriting relies on static questionnaires — but AI risk changes continuously. OneCompliant introduces runtime governance and continuous risk scoring to help organisations demonstrate control, reduce exposure, and support informed underwriting decisions.
The insurance industry's own research is unambiguous: businesses want to insure their AI risk, but insurers struggle to supply the cover — because they cannot verify AI risk, or how a business actually governs it. That information asymmetry is the core barrier to insurability.
Sources: Geneva Association, "Gen AI Risks for Businesses: Exploring the role for insurance" (2025); market projection per Deloitte (2024).
OCIF takes a standard cyber proposal plus a structured AI assessment and produces a defensible, comparable AI-risk rating — so an underwriter can price it, an insured can qualify for it, and both can see exactly where the risk sits and what would move it.
Cyber, AI Governance, and Compliance scores from the controls and questionnaire — mapped to EU AI Act, NIST AI RMF, and ISO 42001.
Estate scale, data sensitivity, model types, and agentic capabilities (transactions, payments, code execution). Exposure raises risk independent of governance.
How transparent and auditable the risk is — the single metric that most directly answers the insurer's number-one barrier.
Help clients quantify and present their AI risk before going to market — for smoother, faster placements and fewer surprises at bind.
A structured, repeatable read on AI governance and exposure to support pricing, terms, and risk selection — and to reduce adverse selection.
Evidence your AI controls and exposure in underwriter language before seeking coverage — turning a hard-to-explain risk into a clear, improvable score.
"OCIF is not designed to replace underwriting. It's designed to help brokers and insurers understand AI risk in a structured, repeatable way."
A credible AI-risk underwriting model has to speak four languages at once. OCIF is built on operator experience across all of them:
Real controls and assessment methodology from regulated-enterprise security operations.
The OASF / OASAT framework — governance and runtime control for enterprise AI.
EU AI Act, NIST AI RMF, ISO 42001, DORA, NIS2, GDPR — mapped, not bolted on.
Berliner insurability criteria, exposure-driven risk, premium and recommendation bands.
"Insurers can't underwrite what they can't verify. OCIF makes AI governance and exposure measurable — and the assessment scores the risk, while Aegis proves the controls are real."
OCIF scores the risk at the point of underwriting. Aegis — OneCompliant's runtime AI governance gateway — provides the continuous, auditable monitoring an insurer can write into the policy as an ongoing condition. Together they answer the question the market keeps asking: insurable, and here's the proof.
If you're an insurer, MGA, broker, or an enterprise navigating AI risk and cover, we'd welcome a direct briefing or a scoped proof of value.
OCIF is decision-support for AI-risk underwriting, not a binding quote or an actuarial rate. Premium logic is illustrative and intended to be calibrated with a carrier or actuary. Risk and insurability framing draws on Berliner (1982) and the Geneva Association (2025).