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Trinitite

For Insurers & Reinsurers

You Cannot Price What You Cannot See

Today, you are pricing AI policies with questionnaires and actuarial models designed for a different era. Trinitite gives you what auto insurers got with telematics: real data from the actual system, in real time.

The Pricing Crisis

Three Problems That Break Traditional Actuarial Models

You have built successful businesses pricing risk for decades. But AI introduces failure modes that traditional models were never designed to handle.

PROBLEM 1: NO BELL CURVE

AI failures follow a power law, not a normal distribution

Most claims are small. But the tail is infinite. A single AI-caused catastrophe can exceed the total premium collected over the policy lifetime. Standard deviation is meaningless when the distribution has no stable mean.

PROBLEM 2: CORRELATED FAILURE

One exploit can take down your entire book

If a researcher discovers a jailbreak that works on GPT-4, every policy you have written on GPT-4 systems is exposed simultaneously. This is not diversifiable risk. It is systemic contagion.

PROBLEM 3: SAFETY DRIFT

The system you tested is not the system in production

Under heavy server load, AI safety filters degrade by up to 21%. The model that passed your underwriting assessment on Tuesday morning behaves differently on Tuesday afternoon during peak traffic.

The Exclusion Crisis

The "Silent AI" Crisis

ISO ENDORSEMENT CG 40 47

As of January 2026, the Insurance Services Office (ISO) formalized the uninsurability of ungoverned models with Endorsement CG 40 47, explicitly excluding GenAI liability from standard Commercial General Liability (CGL) policies.

But blanket exclusions are failing. Agentic AI is rapidly embedding into the very fabric of enterprise ERPs, HR platforms, and codebases. Attempting to write a "No AI" policy today leaves you with a commercially unsellable product. Writing it without specific controls leaves you unknowingly underwriting infinite, unpriced stochastic volatility.

THE AFFIRMATIVE BUY-BACK OPPORTUNITY

Trinitite provides the deterministic underwriting artifact required to confidently sell the "AI Buy-Back." By mandating our architecture, you convert "Silent AI" (unquantified, hidden risk) into "Affirmative AI" (quantified, monitored premium).

The Solution

Telematics Changed Auto Insurance.
Trinitite Changes AI Insurance.

Before telematics, auto insurers priced policies using proxies: age, zip code, credit score. Now they price based on actual driving behavior. Trinitite gives you the same capability for AI systems.

METRIC 1

Intervention Rate

How often does the Governor need to correct the AI? A system that requires frequent intervention is a "risky driver." A system that runs cleanly earns a discount. Real data, not self-reported questionnaires.

METRIC 2

Threat Exposure Score

We continuously test the client's Governor against a global library of known exploits. You see exactly what percentage of the threat landscape they are protected against. Updated daily as new vectors emerge.

METRIC 3

Decay Velocity

Unlike traditional software, systems protected by Trinitite's Guardian get safer over time. Track the rate at which the client's risk profile improves. Reward long-term policyholders with rate reductions tied to measurable safety gains.

The Actuarial Advantage

Unlock Subrogation and Compress Your Loss Ratios

Trinitite doesn't just calculate premiums; it actively reshapes your balance sheet and restores your legal leverage against tech giants.

PIERCING THE VENDOR SHIELD

Subrogation

When a probabilistic model fails today, vendors hide behind the "Black Box" defense. Trinitite's cryptographic ledger provides the "Smoking Gun" — explicitly separating Prompt Negligence (Client Fault) from Product Defect (Vendor Fault). You now have the court-admissible forensic data to subrogate the claim against the Model Provider's E&O policy.

RELEASING IBNR RESERVES

Capital Release

AI liability threatens to become the next "Asbestos" — an infinite long tail of unknown exposure. Because every intercepted threat becomes a permanent mathematical constraint, the aggregate "Surface Area of Risk" shrinks over time. Actuaries can mathematically prove the portfolio is safer today than yesterday, safely releasing trapped IBNR reserves.

BREAKING CORRELATION

Diversified Risk

The single greatest terror for reinsurance is systemic accumulation. Because every enterprise operates a geometrically distinct Policy Manifold, a single prompt injection attack does not mathematically guarantee a portfolio-wide breach. You can finally treat AI as a diversified, capital-efficient basket.

The Business Case

Stop Guessing. Start Knowing.

In 1866, Hartford Steam Boiler realized you cannot price exploding boilers using mortality tables. They replaced actuarial guesswork with engineering inspection. We are at the same inflection point for AI.

The insurers who figure out how to underwrite AI safely will own the market. Trinitite gives you the data foundation to write policies with confidence.

SAMPLE POLICY STRUCTURE

Base Premium

Trinitite Governor Discount

-15%

Low Intervention Rate Bonus

-8%

Threat Coverage >95%

-5%

Effective Premium

$X × 0.72