From scanning cyber risk submissions to analyzing threat landscapes, benchmarking exposure, and generating underwriting recommendations — Lumi agents assess cyber risk end to end with full decision traceability.
Cyber risk is dynamic and multi‑layered. Lumi underwrites it intelligently.
Threat landscapes shift daily. Vendor exposures cascade. Regulatory requirements vary by jurisdiction. Historical claims data is sparse and inconsistent. Lumi agents reason through all of it — assessing risk with the depth of an experienced underwriter.
200+
Risk signals per submission
Threat Landscape Analysis
Continuously monitors emerging CVEs, ransomware campaigns, and zero-day exploits — mapping threats to the applicant's technology stack and industry vertical.
Real-time intel
Vendor Risk Assessment
Evaluates third-party vendor security posture through SOC2 reports, penetration test results, and continuous monitoring feeds — scoring cascading exposure.
Supply chain risk
Security Controls Audit
Assesses MFA adoption, endpoint protection, patch management cadence, and incident response readiness against industry frameworks like NIST and CIS.
Framework aligned
Regulatory Compliance Check
Validates compliance with GDPR, CCPA, HIPAA, and industry-specific regulations — identifying gaps that increase both risk and premium.
Multi-jurisdiction
Claims History Analysis
Analyzes historical cyber claims across the portfolio — identifying loss patterns, frequency trends, and severity benchmarks for accurate pricing.
Actuarial depth
Exposure Benchmarking
Compares applicant risk profile against industry peers — revenue size, tech stack, employee count, and prior incidents — for data-driven underwriting.
Peer comparison
The Challenge
Cyber underwriting is a guessing game
Underwriters rely on static questionnaires, outdated threat data, and manual research to assess rapidly evolving cyber risk. Decisions are slow, inconsistent, and often based on incomplete information.
Today
Static questionnaires, inconsistent decisions
Risk assessments based on self-reported questionnaires with no verification
Threat intelligence consulted manually, often weeks out of date
Inconsistent risk scoring across underwriters and regions
Binding takes weeks due to manual research and approval chains
With Lumi
Intelligence-driven, consistent, and fast
AI agents scan submissions and cross-reference external threat intelligence
Real-time security posture assessment through continuous monitoring feeds
Consistent risk scoring frameworks applied to every submission
Binding accelerated with automated analysis and smart approval routing
How It Works
A four-stage underwriting pipeline
Lumi agents process each cyber submission through a structured pipeline — ingesting data, analyzing risk, compiling findings, and delivering underwriting decisions.
1
Submission Intake
Application data ingested with supplemental docs and broker notes
2
Risk Analysis
AI assesses threat exposure, controls maturity, and vendor risk
3
Underwriting Review
Findings compiled with pricing recommendation and risk appetite check
4
Decision & Binding
Approve/decline with terms, exclusions, and policy documentation
Agents at Work
Specialized agents for every underwriting task
A coordinated team of AI agents — each handling a distinct underwriting function — working together to assess cyber risk faster and price policies more accurately.
Submission Parser
Ingests applications, supplementals, and broker notes — extracting key data points and normalizing formats for downstream analysis.
Threat Intel Scanner
Monitors CVE databases, dark web feeds, and threat intelligence platforms — mapping emerging risks to the applicant's technology stack.
Controls Assessor
Evaluates security controls against NIST, CIS, and SOC2 frameworks — scoring maturity and identifying critical gaps.
Exposure Modeler
Builds probabilistic loss models based on industry benchmarks, applicant profile, and historical claims data — informing pricing decisions.
Compliance Checker
Validates regulatory compliance across GDPR, CCPA, HIPAA, and sector-specific requirements — flagging gaps that affect coverage and pricing.
Decision Engine
Synthesizes all risk signals into an underwriting recommendation — approve, decline, or refer — with supporting rationale and suggested terms.
Use Cases
Where Lumi excels
Built for the operational complexity of cyber underwriting — not generic risk assessment.
01
New Business Cyber Underwriting
Assess new cyber insurance applications end to end — from submission intake through threat analysis, controls review, and binding recommendation.
02
Renewal Risk Reassessment
Re-evaluate existing policyholders at renewal — incorporating new threat data, claims history, and changes in security posture since the last policy period.
03
Portfolio Exposure Analysis
Analyze aggregate cyber risk across the portfolio — identifying concentration risks, correlated exposures, and catastrophic loss scenarios.
04
Regulatory Compliance Screening
Screen submissions against evolving regulatory requirements — ensuring coverage terms, exclusions, and pricing reflect current compliance obligations.
See it in action
Walk through the full cyber underwriting pipeline — from submission intake to policy binding — in our interactive demo environment.
