Insurance Scoring
FaultRay provides insurance-grade risk scoring that quantifies infrastructure risk for cyber insurance underwriting and premium optimization.
Overview
The insurance scoring module translates FaultRay resilience assessments into standardized risk metrics used by cyber insurance underwriters. Organizations can use these scores to negotiate lower premiums by demonstrating quantified resilience.
Insurance Score
The insurance score extends the base resilience score with additional risk factors:
faultray simulate -m model.json --insurance --output insurance-report.json
Score Components
| Factor | Weight | Description |
|---|---|---|
| Infrastructure Resilience | 40% | Base FaultRay resilience score |
| Recovery Capability | 20% | RTO/RPO achievability |
| Blast Radius | 15% | Maximum impact of single failure |
| Compliance Posture | 15% | Regulatory framework coverage |
| Historical Incidents | 10% | Past incident frequency and severity |
Risk Categories
| Score Range | Risk Category | Premium Impact |
|---|---|---|
| 90-100 | Excellent | Up to 30% discount |
| 75-89 | Good | Up to 15% discount |
| 60-74 | Moderate | Standard premium |
| 40-59 | Elevated | Up to 20% surcharge |
| 0-39 | High | Up to 50% surcharge or coverage denial |
Generating Insurance Reports
from faultray import SimulationEngine
from faultray.insurance import InsuranceScorer
engine = SimulationEngine(graph)
results = engine.simulate()
scorer = InsuranceScorer(results)
insurance_report = scorer.generate()
print(f"Insurance Score: {insurance_report.score}")
print(f"Risk Category: {insurance_report.risk_category}")
print(f"Estimated Premium Impact: {insurance_report.premium_impact}")
Report Output
The insurance report includes:
- Risk Score Summary — Overall score with category assignment
- Component Risk Analysis — Per-component risk breakdown
- Scenario Coverage — Which disaster scenarios are covered
- Recovery Assessment — RTO/RPO analysis for critical systems
- Recommendations — Actions to improve insurance scoring
Integration with Insurance Platforms
FaultRay provides API endpoints for insurance platform integration:
POST /api/v1/insurance/evaluate
Content-Type: application/json
{
"model_id": "abc123",
"include_historical": true
}