The score becomes a price.
An agent's technical score sets its premium. Here is what that premium buys, and what it does not.
Safety shows up on the invoice.
Two agents that look alike on paper do not pay the same premium. What separates them is what the measurement records: what each can commit to on its own, and what stops it when it gets things wrong.
A policy, in plain words.
- Insured
- Trading SME · 55 employees
- Agents covered
- A1 customer service + A4 invoicing
- Limit of indemnity
- CHF 500,000 per year
- Deductible
- CHF 10,000
- Defence costs
- Included
- Notification threshold
- CHF 25,000
- Conditions of continuation
- Score ≥ contractual threshold · telemetry live
- Exclusions, in plain words
- Outside declared scope · guardrails disabled · wilful misconduct
- Annual premium
- CHF 9,600
Fictional case · demonstration specimen
A claim, paid.
The agent promises a −40% discount. 214 customers claim it.
Loss quantified: CHF 96,000.
Timestamped telemetry: scope respected, error insurable.
CHF 86,000 paid out, deductible applied.
Insurance is judged on the day of the claim.
Everything else — the score, the policy, the pitch — is worth only what that day makes of it. Which is why the evidence is built before the incident, not after.
We do not insure everything.
Decisions bearing on people — hiring, appraisal, discipline — stay outside our appetite for as long as the law remains unsettled. Agents that trigger payments are covered only under reinforced conditions.
Turning a segment away is what makes the rest credible.
When our measurement is not reliable, it says so on the report.
For as long as an assessment falls short of our reliability thresholds, the report you receive carries the words “score not validated”, spelled out. Nobody can remove it, neither on your side nor on ours.
A figure no insurer could defend is of no use to you. Better to know it before you take out cover than after the claim.
Your first agent, in three steps.
Nothing to send us. You start with a conversation.
You describe your agent.
What it does, who it talks to, what it can commit to on its own.
We assess it.
That is our job, not yours. And it happens on your side: nothing is copied.
You receive a score and a price.
Along with what would move them. The decision is yours.