The Data Engine and Technology Behind AI Insurance

The AI risk engine behind our underwriting.

Built to sharpen risk selection and speed up distribution.

Read the Ledger

Data Ingested to Date

Words

Over 2 billion words of litigation text, equivalent to the entire English Wikipedia ten times over.

Reading Time

It would take a human ~25 years to read it all (at 250 words/minute, 8 hours/day).

Source: Testudo AI Risk Engine case-law tracker (May 2026).

Best-in-class risk selection: from lawsuits to risk analysis, pricing, and portfolio accumulation controls in seconds.

Our proprietary data processing pipeline continuously ingests and classifies litigation, filings and incidents daily, serving novel signals to our underwriters to enable them to make informed risk selection decisions.

We stay on top of fast moving loss trends globally

Realistic Disaster Scenarios are simulated against our policies and data

Our reports are data-driven, like the 2025 AI State of Play.

AI Risk Engine

Built by an enterprise team trained in the world’s top institutions, Testudo’s Risk Engine is a full-stack platform to enable our underwriters to make best-in-class risk selection decisions. It centralizes insights, updates pricing, and transmits signals in real time.

By combining granular data, advanced AI, and portfolio controls, we price and manage AI risk with greater precision and lower operating costs through deep AI automation.

From Lawsuit to Risk Selection

Our unique view of risk is shaped by our proprietary AI Risk Engine: a system that requires no invasive technical integration with a company to assess their exposure.

Diagram of Testudo's AI Risk Engine, showing how it scores and prices generative AI liability risk

Real-time Ingestion

Tracks fast-moving litigation trends so you don’t have to.

NLP-Powered Document Parsing

For accurately extracting case metadata and granular claims information.

High-throughput data processing

For classifying and structuring filings at scale, daily.

Backtesting tools

Simulating coverage against real claims and loss outcomes

From Lawsuit to Risk Selection

Our unique view of risk is shaped by our proprietary AI Risk Engine: a system that requires no invasive technical integration with a company to assess their exposure.

Real-time Ingestion

Tracks fast-moving litigation trends so you don’t have to.

NLP-Powered Document Parsing

For accurately extracting case metadata and granular claims information.

High-throughput data processing

For classifying and structuring filings at scale, daily.

Backtesting tools

Simulating coverage against real claims and loss outcomes

Real-Time Risk Selection

We underwrite AI risk without performing invasive technical audits or requiring certifications.

Model Hallucinations Account for Only 4.9% of Generative AI Lawsuits

Our data shows that only 4.9% of generative AI lawsuits in the USA involve claims related to AI "hallucinations." These are instances where AI systems generate false or misleading information that causes harm. This highlights that the performance of an AI model has limited impact on a firm's AI liability exposure.

We underwrite AI risk without performing invasive technical audits or requiring certifications.

We deploy technology to maximize distribution velocity

Best in class risk selection combined with distribution velocity.

We deliver a bespoke 48-hour AI Risk Summary, quote and bind service.

Our AI Risk Summary provides an AI Risk Score and bespoke insights for businesses based on our data.

We perform Agentic Liability Monitoring for our insureds to stay on top of fast moving loss trends.

Next Gen Underwriting Technology for Frontier Risk

The future of underwriting is AI assisted

Insurance underwriting has historically been a manual process, often driven by human judgment and gut feel. However once guidelines, policies and pricing have been defined by specialist humans, there is an opportunity for AI to assist in underwriting processes. This should help us make decisions better, faster, smarter, more efficient. This ultimately lets us serve clients more effectively.