新闻 · arXiv cs.AI

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

Agentic AI introduces new insurance challenges because autonomous AI systems can make decisions, invoke tools, modify external environments, and interact with third-party services. This paper develops an AI-native mathematical framework for underwriting, pricing, and contract design for agentic AI deployments. A deployment is represented by a risk state that captures autonomy level, operational authority, permission exposure, governance maturity, and dependency concentration. The framework maps…