Exposure Profile
M€
Reliability & Compliance
50 / 100
High score = better compliance = lower GDPR risk
Structuring & Treaties
Prevention
Exclusions
Synthetic Risk Profile
Cyber Extortion54 / 100
E&O (Hallucination)49 / 100
Business (Interruption)100 / 100
Fines (EU AI Act)36 / 100
GDPR / Privacy53 / 100
Real-time risk calculation · Reflects your parameters
Maximum Exposure (PML)
-10%€71,280,000
Cap adjusted for exclusions & technical prevention.
Total Commercial Premium
€5,895,168
Total premium paid by the insured (before reinsurance).
Systemic Risk Radar
Analysis
- Cloud Model: Strong dependency on third-party provider. High accumulation and Business Interruption risk.
- Bodily Injury Covered: Maximum exposure if an algorithmic decision causes physical harm.
- GDPR Score 50/100 : Non-negligible GDPR exposure on the radar.
Actuarial Breakdown of the Pricing Chain
Gross PML€79,200,000
Pure Premium€4,065,633
Prevention Reduction-10.0 %
Loadings (45 %)€1,829,535
Retained Net PML€71,280,000
Commercial Premium€5,895,168
Adj. Loss Probability5.85 %
Ceded Premium (Reins.)€1,768,550
Retained Deductible€250,000
Retained Net Premium€4,126,617
Policy Conditions (Summary Term Sheet)
LLM Model
Cloud API
EU AI Act
Unacceptable
LLM Guardrails
✗ Inactive
Audit Red-Team
✓ Certified
Excl. IP
No
Excl. Bodily Inj.
No
Quota Share
30 %
ESG Score
67 / 100
Prevention ROI
-€1,382,817
Premium savings / year
AI Governance ESG Score
67 / 100
Extra-financial assessment
Breakdown: Retention vs Cession (30% Quota Share)
€4,126,617
€1,768,550
Net Premium (Insurer)Ceded Premium (Reinsurer)
Multi-Year Projection of the Commercial Premium
Year 1
€5,895,168
Initial pricing
Year 2
€5,600,409
Usage bonus
Year 3
€5,305,651
Claims experience
3-year total (with prevention)
€16,801,228
Cumulative savings (ROI)
€3,941,029