A fair premium for every agent in production.
The myth of Icarus was not a warning against flight. It was a warning against believing altitude removes consequence. Autonomous AI gives enterprises unprecedented leverage, speed, and reach — the modern equivalent of wax wings. Icarus' Parachute ensures that when those systems encounter heat, pressure, or failure, the financial impact remains survivable through continuously calibrated and fully auditable insurance pricing.
Not a quote pulled from a vendor's gut. A premium derived from your loss distribution — event by event.
Base $11,200 · autonomy debit +$2,100 · operator credit −$500 · re-priced at a frequency of your choosing
Actuarially fair base premium
The pure premium is computed directly from the Icarus Threshold loss distribution — expected loss plus a transparent risk load. No black-box pricing, no vendor discretion. The same number an actuary would derive given the same distribution.
Risk-profile adjustments
The base premium is adjusted upward or downward based on the specific characteristics of the AI being insured: autonomy level, blast radius, data sensitivity, operator controls, and incident history. Every adjustment is itemized.
Audit-ready derivation
Every premium ships with the math: which distribution it came from, which adjustments applied, what evidence supported each one. Defensible to brokers, underwriters, regulators, and the captive board.
Periodic re-underwriting
The premium recalibrates as runtime behavior changes. New incidents, new tool grants, new data classes — the price moves as the risk does. No surprises at renewal.