The vast majority of insurers in today’s market set premiums by analyzing historical losses. This makes it difficult for innovators to obtain financial and legal protection. By definition, new products with new risk profiles don’t have any historical loss experience, so traditional insurers are reluctant to provide affordable coverage. However, we believe the same A.I. revolution that is fueling innovation can be harnessed to assess risks, and therefore to provide protection to cutting-edge products and companies at affordable prices.
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