Patent-Pending · 304 Risk Factors · 18 Categories · API-Native

aiV-Cube™ 2.0
AI Risk Intelligence.

The end-to-end framework and platform for underwriting AI risks.

RISKEN® Insurance Advisors, Inc. develops the patent-pending aiV-Cube™ 2.0 framework: a 304-factor AI risk scoring system across 18 categories, built for insurance carriers, reinsurers, brokers, and MGAs. From enterprise intake questionnaire through ML scoring pipeline to underwriter decision support, aiV-Cube 2.0 is the first purpose-built standard for quantifying, pricing, and managing AI-related insurance risk.

Request a Demo → Explore aiV-Cube 2.0
aiV-Cube™ 2.0 Score Dashboard -- Illustrative
ILLUSTRATIVE
Vulnerability Axis (V)
Moderate41
Impact Axis (I)
Elevated63
Interconnectedness Axis (IC)
High72
Composite aiV-Cube Score57/100
Risk Rating
Moderate
Confidence
90%
Factors Scored
304
Categories
18
Illustrative output only. Not based on live data.
RISKEN® Insurance Advisors, Inc. -- Three Divisions

One company. Three divisions.

aiV-Cube™ 2.0 is the proprietary IP and platform. RISKEN Insurance Advisors provides bespoke advisory to the insurance ecosystem. America Insures by RISKEN serves retail clients with institutional-grade risk thinking.

Division 01 -- RISKEN aiV-Cube 2.0
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RISKEN aiV-Cube™ 2.0
304-Factor AI Risk Scoring Framework & Platform

The patent-pending, end-to-end framework and platform for underwriting AI risks. 304 factors across 18 categories organized along three axes: Vulnerability, Impact, and Interconnectedness. Enterprise intake questionnaire, ML scoring pipeline, explainability layer, and underwriter decision support. Delivered via the RISE™ API suite as SaaS, embedded widgets, or batch scoring.

304 Factors18 CategoriesRISE™ APIPatent Pending
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Division 02 -- RISKEN Insurance Advisors
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RISKEN Insurance Advisors
Advisory for Carriers, Reinsurers, Brokers & MGAs

Bespoke advisory services aligned with the aiV-Cube™ 2.0 framework. Product structuring, underwriting advisory, parametric AI trigger design, reinsurance tail risk modeling, and AI-related alternative risk transfer. Non-actuarial advisory focused on risk quantification, underwriting, and product development.

Product StructuringUnderwriting AdvisoryParametric AIART Models
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Division 03 -- America Insures by RISKEN
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America Insures by RISKEN
Personal & Commercial Insurance Brokerage

Independent retail insurance brokerage licensed in North Carolina, Pennsylvania, and Virginia. Serving individuals and families, small and medium businesses, law firms, and sports organizations with trusted, independent advice.

Personal LinesSMB CommercialLaw FirmsSports Organizations
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Division 01 -- RISKEN aiV-Cube™ 2.0
Patent-Pending · End-to-End AI Risk Underwriting

304 factors. 18 categories. Three scoring axes.

aiV-Cube™ 2.0 is the first and only industry-standard underwriting model purpose-built to quantify, price, and manage AI-related risks for insurance and reinsurance carriers. From enterprise intake through ML scoring to underwriter decision package.

Risk Factors
304
Across 18 categories
Scoring Axes
3
V · I · IC
Scoring Latency
<500ms
P95 single-risk
Compliance
12
Regulatory frameworks mapped
Core Framework
aiV-Cube™ 2.0 Scoring Engine
304-factor multi-dimensional risk scoring organized across three axes. Stacked ensemble ML architecture: XGBoost (Vulnerability), LightGBM (Impact), GNN (Interconnectedness), with logistic regression meta-learner.
  • 18 risk categories including GenAI, Agentic Risk, Supply Chain, Operational Resilience, Actuarial
  • RISE Intake Questionnaire: 180+ direct factors with progressive disclosure and conditional logic
  • Automated enrichment pipeline: 85+ factors from external data feeds without applicant burden
  • SHAP-based explainability with natural-language risk narratives for every scored risk
Request Demo
Decision Support
Underwriter Decision Package
The complete scoring output assembled into a structured package: composite score, axis breakdown, risk narrative, factor attribution, peer benchmarks, premium indication, and conditions/exclusions recommendations.
  • Score summary with 90% confidence intervals via bootstrap resampling
  • Top 10 risk drivers and mitigants with SHAP contribution breakdown
  • 18-category risk heatmap and anonymized peer benchmarking
  • Automated conditions/exclusions engine with factor-linked recommendations
Request Demo
API Suite
RISE™ API (6 Modules)
Six production-grade API modules that embed aiV-Cube intelligence directly into carrier underwriting systems, portfolio dashboards, and reinsurance platforms. REST, JSON, OAuth 2.0, sub-500ms.
  • RISE-Score: On-demand single-risk and batch scoring (1,000 risks/min)
  • RISE-Portfolio: Concentration, VaR, TVaR, stress testing, cat accumulation
  • RISE-Bench: Anonymized peer benchmarking and NAIC/NIST readiness scoring
  • RISE-Embed: White-labeled widgets, RISE-Predict: Forecasting, RISE-Subrogation: Recovery intelligence
Request Demo
18 Risk Categories

Comprehensive coverage across every AI risk dimension.

v2.0 adds 76 new factors and 4 new categories covering Generative AI and Agentic Risk, Third-Party Supply Chain, Operational Resilience, and Actuarial/Insurance-Specific factors. Each factor maps to one of three orthogonal risk axes.

COM
Commercial
18 factors
DAT
Data Quality
18 factors
END
End-user
15 factors
ETH
Ethical
20 factors
GEO
Geographical
15 factors
GOV
Governance
17 factors
IMP
Impact
16 factors
IND
Industry
16 factors
IPR
Intellectual Property
15 factors
MON
Monetization
16 factors
SEC
Security
21 factors
TEC
Technical
22 factors
USE
Use Case
15 factors
UXP
User Experience
14 factors
GEN
GenAI & Agentic Risk
20 factors · NEW in v2.0
TPR
Third-Party / Supply Chain
15 factors · NEW in v2.0
OPR
Operational Resilience
15 factors · NEW in v2.0
ACT
Actuarial / Insurance
16 factors · NEW in v2.0
Production Pipeline

Seven-stage scoring from intake to decision.

The production pipeline operates from the moment an enterprise client or broker initiates an AI risk assessment through final underwriter decision support. Submission intake, automated data enrichment, validation, ML scoring, explainability, decision package assembly, and feedback loop for continuous model calibration.

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RISE Intake Questionnaire12-section enterprise questionnaire capturing ~180 direct factors. Progressive disclosure, conditional logic, broker assist mode, and pre-population for renewals. 45-60 minute completion time.
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Automated Enrichment~85 factors enriched from external feeds: cyber risk scores (BitSight, SecurityScorecard), financial data (D&B, S&P), patent databases, regulatory actions, AI incident databases, and news sentiment.
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ML Scoring PipelineThree sub-models in parallel: XGBoost (117 Vulnerability factors), LightGBM (100 Impact factors), GNN/GraphSAGE (87 Interconnectedness factors). Meta-learner fusion to composite 0-100 score.
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Underwriter Decision PackageComplete scoring output: score summary, risk narrative, top 10 drivers/mitigants, category heatmap, peer benchmarks, premium indication, conditions/exclusions, regulatory compliance assessment.
Integrations & Compliance

Plugs into the systems you already run.

Five submission channels: carrier portal, broker API, batch upload, embedded widget, and email/PDF. Pre-built connectors for Applied Epic, AMS360, Vertafore, Guidewire, and Duck Creek. Comprehensive regulatory crosswalk across 12 frameworks including NAIC AI Bulletin, NIST AI RMF, Colorado AI Act, EU AI Act, and ISO/IEC 42001.

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Carrier & PAS IntegrationGuidewire, Duck Creek, Majesco. Real-time scoring at point of submission. STP rules for automated low-risk binding.
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Broker Management SystemsApplied Epic, AMS360, Vertafore connectors. ACORD XML supplemental form mapping for universal portability.
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Regulatory ComplianceNAIC AIS Program, NIST AI RMF, NIST AI 600-1, Colorado AI Act, EU AI Act, FCRA, CCPA, GDPR, SOC 2 Type II, ISO 42001.
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Federated LearningFlower framework with differential privacy. Multi-carrier deployments without data pooling. Carrier data never leaves carrier boundary.
Division 02 -- RISKEN Insurance Advisors
Bespoke Advisory Services -- Aligned with aiV-Cube™ 2.0

Advisory built on the risk model, not apart from it.

RISKEN Insurance Advisors provides bespoke advisory services to insurance carriers, reinsurers, brokers, and MGAs. Non-actuarial advisory focused on risk quantification, underwriting, product development, and risk assessment, all aligned with the aiV-Cube™ 2.0 framework.

Why advisory must be model-aligned: AI risk is a new class of exposure. Standard advisory approaches apply traditional frameworks to a fundamentally different risk profile. RISKEN Insurance Advisors builds every engagement on the 304-factor aiV-Cube 2.0 model, ensuring advisory recommendations are grounded in structured, quantitative risk intelligence rather than market convention. Bespoke services. No published rates. Every engagement is scoped to the client.
AI Insurance Product Structuring
Advisory for carriers and MGAs designing new AI-specific insurance products. Coverage form development, policy wording, trigger design, and exclusion architecture informed by the 304-factor model and 18 risk categories.
Underwriting Advisory
Structured underwriting guidance for AI-related lines: tech E&O, cyber, D&O, and dedicated AI liability. Submission triage frameworks, risk appetite calibration, and scoring integration for underwriting teams.
Parametric AI Trigger Design
Design AI-driven parametric insurance triggers using aiV-Cube 2.0 factor scores and axis outputs. A quantitative risk threshold becomes a contractual payout event. No loss adjustment required.
Reinsurance Tail Risk Modeling
Model AI-related tail risk for reinsurers with the Interconnectedness axis, catastrophe accumulation modeling, and correlated failure scenario distributions. Quantitative input for treaty pricing.
Alternative Risk Transfer (ART)
Structure AI-related alternative risk transfer models: ILS, cat bonds with AI risk triggers, captive feasibility assessments, and risk retention group structuring for technology-sector mutuals.
Regulatory & Compliance Advisory
NAIC AIS Program implementation support, Colorado AI Act compliance readiness, NIST AI RMF alignment, and regulatory examination preparation. Factor-level mapping to 12 regulatory frameworks.
304
Risk factors in the aiV-Cube 2.0 framework
62%
Of insurers now use AI daily in their operations
12
Regulatory frameworks mapped in the compliance crosswalk
NPN
21676872
RISKEN Insurance Advisors, Inc. -- NC Licensed
Supplementary Offering

GeoVol™ Geopolitical Risk Analytics

GeoVol™ monitors geopolitical volatility across 190+ countries, calibrated for insurance and reinsurance portfolios. Available as a supplementary analytics layer for advisory engagements involving political risk, marine war risk, supply chain disruption, and sovereign credit stress.

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Country & Corridor Risk ScoringDaily-updated geopolitical risk indices for conflict escalation, sanctions, and trade disruption scenarios.
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Scenario ModelingConflict escalation, supply chain disruption, sanctions cascade, and sovereign credit stress scenario modeling.
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Insurance ApplicationPolitical violence, marine war risk, trade credit, and specialty lines analytics for portfolio and treaty pricing.
Division 03 -- America Insures by RISKEN™ · Licensed NC · PA · VA
America Insures by RISKEN™
Independent Insurance Broker
A retail brand of RISKEN Insurance Advisors, Inc. · NPN 21676872 · Licensed NC (Resident) · PA & VA (Non-Resident)
Personal, Commercial & Specialty Lines

Trusted coverage for families, businesses and organizations.

America Insures by RISKEN™ is an independent insurance broker. We represent dozens of carriers and shop the market on your behalf, delivering the right coverage at the right price, not the highest commission.

Backed by 25 years of institutional risk expertise, our retail clients receive the same quality of risk thinking applied to major corporate engagements, adapted for personal, commercial, and specialty lines.

Get a Free Quote → +1 (803) 630-8881
Individuals & Families
Homeowners, auto, renters, condo, umbrella, jewelry. Multi-carrier comparison. Bundling discounts. NC, PA, and VA residents.
Small & Medium Businesses
Business owners policy (BOP), general liability, workers compensation, commercial auto, commercial property, cyber liability.
Law Firms
Legal malpractice (professional liability), E&O, D&O, employment practices, cyber. Solo practitioners to mid-size firms.
Sports Organizations
Amateur and youth sports liability, participant accident, D&O, event cancellation, volunteer liability. Adaptive sports programs specifically accommodated.
Professional Liability
E&O, technology liability, media liability, management liability for consultants, advisers, and technology firms.
Specialty & Surplus Lines
E&S placement for non-standard risks: high-value homes, collector vehicles, high-risk commercial, specialty professional exposures.
Why America Insures by RISKEN™
01
Independent, not captive. Dozens of carriers. Your best coverage, not our best commission.
02
Institutional risk thinking. We read your policy the way a risk professional does, before you need to file a claim.
03
Licensed across NC, PA, and VA. Resident license in North Carolina. Non-resident licenses in Pennsylvania and Virginia.
04
Specialized focus. Law firms, sports organizations, and adaptive sports programs receive the same expertise as major commercial accounts.
05
A bridge to institutional coverage. When your business needs AI risk advisory or specialty coverage, RISKEN Insurance Advisors is ready.
License Information

America Insures by RISKEN™ is a retail brand of RISKEN Insurance Advisors, Inc. (NPN: 21676872). All policies are placed under the licenses of RISKEN Insurance Advisors, Inc. Licensed as a resident producer in North Carolina and as a non-resident producer in Pennsylvania and Virginia. Trademark pending.

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aiV-Cube 2.0 platform demos, advisory engagements, and retail insurance quotes. All communications are handled confidentially.

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Email
risken@risken.us
Phone
+1 (803) 630-8881
Fax
+1 (910) 377-1598
Mail To
301 S McDowell St, Ste 125 PMB 1141
Charlotte, NC 28204
United States
Licensing
RISKEN Insurance Advisors, Inc.
NPN: 21676872
NC Resident Producer · PA Non-Resident · VA Non-Resident
America Insures by RISKEN™ is a retail brand of RISKEN Insurance Advisors, Inc. Trademark pending.
Confidentiality: Platform and advisory engagements are conducted under mutual non-disclosure agreement where appropriate. No substantive proprietary information is shared prior to NDA execution.