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AI agent for insurance risk analysts

Emerging Risk Scan Agent

A short ranked watch list of emerging risks with checked exposure, reviewed weekly

Risk managementMonitoringFinanceInsurance
See how it worksGet access
Emerging Risk Scan Agent: what goes in, what the agent does and what you get

What it does

Insurers often learn of a new risk, such as a new battery technology or a court ruling that widens liability, only when claims land. This agent scans regulatory notices, court decisions, industry reports and news by theme each week. It scores each item for relevance to the insurer's portfolio, then checks the company's actual exposure, such as policies, limits and lines that could be hit. Items with real exposure become a watch item with a short description, an estimate of the range of exposure and the next signal to watch. If the scan returns too much noise or misses known events, it refines its keywords and searches again. The risk lead decides which items to escalate to underwriting or the committee. Edge case: a ruling in a state with no policies written is logged as low priority.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueYes, continueApprovedNoNo 1 STARTS WHEN Weekly scan begins 2 USES A TOOL Search regulatory, court and news sources by theme 3 DOES Score each item for relevance to the portfolio 4 CHECKS THE RESULT Are results focused, and do they include a knowntest event? If not: refine keywords, add or drop sources and rerunthe search. Back to step 2. 5 USES A TOOL Check exposure: policies, limits and states affected 6 CHECKS THE RESULT Does real exposure exist for each shortlisted item? If not: downgrade the item to low priority with a note.Back to step 3. 7 DOES Write a watch item with exposure range and nextsignal to watch 8 DOES Compare with last week's list and mark new, risingor fading 9 YOU APPROVE Risk lead approves which items are escalated 10 RESULT Weekly watch list issued
Read the steps as a list
  1. Weekly scan begins
  2. Search regulatory, court and news sources by theme
  3. Score each item for relevance to the portfolio
  4. Are results focused, and do they include a known test event?If not: refine keywords, add or drop sources and rerun the search. Back to step 2.
  5. Check exposure: policies, limits and states affected
  6. Does real exposure exist for each shortlisted item?If not: downgrade the item to low priority with a note. Back to step 3.
  7. Write a watch item with exposure range and next signal to watch
  8. Compare with last week's list and mark new, rising or fading
  9. Risk lead approves which items are escalatedThe agent waits here for your OK.
  10. Weekly watch list issued

How it decides

It ranks items by how directly they touch lines and states the insurer writes and by the size of limits exposed, and it drops items with no matching exposure.

  • Shortlist items scoring 7 or higher out of 10 for relevance
  • Require at least one written policy line or state in the exposure
  • Mark an item rising when two new sources report it within a week
  • Keep known test events in the scan to confirm coverage

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Themes and keywords to scan
  • Relevance score threshold (default 7 of 10)
  • Sources included
  • Day of the week for the scan

What keeps you in control

It always asks you first

  • Escalating any item to underwriting or the committee

Hard limits

  • Cites a source for every watch item
  • Never contacts underwriters or regulators itself
  • Labels exposure figures as estimates

It stops when

  • Done: weekly watch list is approved
  • Stop: the exposure database is unavailable

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensOn a Monday the scan returned 46 items. After refining keywords the agent kept 11. It checked exposure and found a new state ruling on contractor liability affecting 380 policies with $19 million in limits. That item entered the watch list as rising. Two others had no policies and were low priority. The risk lead escalated the contractor item to underwriting.

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