AI-Native Insurance for Agentic AI: Pricing, Underwriting, and End-to-End Automation

Agentic AI introduces new insurance challenges because autonomous AI systems can make decisions, invoke tools, modify external environments, and interact with third-party services. This paper develops an AI-native mathematical framework for underwriting, pricing, and contract design for agentic AI deployments. A deployment is represented by a risk state that captures autonomy level, operational authority, permission exposure, governance maturity, and dependency concentration. The framework maps the risk state to event probabilities, loss severities, governance costs, premiums, deductibles, coverage allocation, and policy covenants, and formulates an optimization problem for insurance cont...

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