Carrier questionnaires now contain substantial AI sections — AI tool inventory, acceptable-use policy, vendor risk, incident response for AI failures. Most SMBs can't answer them with evidence. CIPU produces the defensible, evidence-backed report you attach to your submission.
When your broker flags AI questions on the draft questionnaire 60 days before renewal, you have four options — and three of them create new problems:
You own the insurance relationship. You feel the premium impact directly. And your broker just sent you a questionnaire with an AI section you can't answer accurately without evidence you don't have organized.
CIPU is built for regulated verticals where both insurance and compliance obligations create overlapping requirements: healthcare, legal, financial services, accounting, real estate.
Not a generic security framework. Calibrated to the actual criteria carriers evaluate — including the AI sections most assessments don't touch.
Baseline controls every carrier expects regardless of vertical or AI exposure: MFA enforcement, endpoint protection, patch management, backup architecture, incident response documentation, and privileged access controls.
The section your questionnaire now includes and most firms can't answer with evidence. AI tool inventory, acceptable-use policy, training and data governance, vendor AI risk, output validation, AI-specific incident response, and red-team posture.
Vertical-specific requirements layered on top of the baseline. Healthcare maps HIPAA and ePHI-AI interaction controls. Legal maps ABA Model Rules 1.6 and 5.3, privilege risk, and client data governance. More overlays in development.
Each item scored 0–2. Section weights applied. Total maps to four tiers: Insurable / Conditional / At Risk / Likely Denial. Downgrade rules apply when any single section falls below threshold — a strong Section 1 doesn't rescue a failing Section 2.
Generic "AI exclusions are coming" assessments give you the same output regardless of who your carrier is. That's not useful when carriers are moving in five different directions.
CIPU is calibrated to your carrier's actual position. The report names which pattern applies to your carrier and tailors recommendations accordingly — so the remediation priorities in your report are the ones that matter for your renewal, not someone else's.
Coalition, Embroker, AXA XL — explicitly covering AI losses; stricter questionnaires with higher evidence bar.
Beazley, QBE — AI losses covered but sublimited; posture documentation influences sublimit negotiation.
AIG, Hamilton — AI losses excluded by endorsement; report identifies what's at risk under current terms.
Westfield — baseline controls requirements are stricter; Section 1 posture is a renewal gating factor.
Zurich/Beazley — position is still resolving; report flags what to clarify with your broker before submission.
A concrete artifact — not a slide deck, not a consulting memo. Built to put in front of your broker, your underwriter, or your board.
Cover, executive summary, score-at-a-glance, per-section item tables with documented narratives, section summaries, top-5 remediation priorities, and an attestation block. Formatted for underwriter review.
Includes the PDF report, a JSON evidence manifest with SHA-256 chain-of-custody for all supporting documentation, assessment summary, and README. Defensible if challenged on a claim.
Top-5 prioritized remediation actions ranked by coverage impact and implementation complexity. What to address before submission, what can wait, and rough effort for each.
Live readout with your broker to walk through findings and support the renewal conversation. Available as an add-on. Carrier-calibrated — we'll speak your carrier's language.
The assessment is AI-assisted — scored and narrated by a structured AI pipeline. Every output is reviewed and signed off by a Layer8 assessor before delivery. No report ships without human sign-off. That's not a marketing claim; it's enforced at the system level.
The CIPU methodology was developed by the same team that built and operated HIPAA, SOC 2, and PCI compliance frameworks at CVS Health and Aetna. We understand what underwriters want to see because we've had to produce that documentation — in regulated environments where the consequences of getting it wrong were higher than premium pricing.
30 minutes. We review your current policy, your renewal date, your carrier, and what's on the draft questionnaire. We confirm whether CIPU is the right engagement and scope the work. No commitment required.
Structured interviews, documentation review, and technical verification across the three rubric sections. Calibrated to your carrier's position. Typically 2–3 weeks depending on organization size and documentation availability.
PDF report and evidence bundle delivered with a live readout. Remediation priorities reviewed. Application language reviewed. You leave with a defensible submission artifact and a clear list of what to remediate before renewal.
Fixed-fee engagement. Single-point-in-time by default; annual recurrence available at a reduced rate.
No. SOC 2 is built for vendor diligence — it tells your customers that your controls are reliable. CIPU is built for the underwriting moment — it tells your carrier that the controls you attested to on your application actually exist and are correctly configured. Different output shape, different audience, different stakes.
Possibly. The assessment takes 2–3 weeks for most organizations in the target range. We can start within days of a signed engagement. Call us now — the scoping conversation is 30 minutes and free. If the timeline doesn't work, we'll tell you on the call.
Those platforms produce outputs shaped for sales and vendor diligence — they help you win customers, not satisfy underwriters. The artifact they produce doesn't map to the ISO AI exclusions or carrier-specific AI Riders your questionnaire now references. CIPU produces a different output, for a different moment, built to a different standard.
30 minutes. We'll review your renewal timeline, confirm whether CIPU is the right fit, and scope the work. No commitment required.
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