LiveCLAIR, the Cyber Liability AI Risk Advisor
Cyber questions answered in the language of the policy, with the clause attached.
Read more about CLAIR
Product and Fact Sheet
CLAIR.
Cyber Liability AI Risk Advisor
An AI companion that sits inside the cyber insurance conversation: translating policy language, pressure-testing controls, and turning a client discussion into a submission an underwriter can actually read.
What CLAIR Is.
A conversational interface to the cyber insurance market. Not a quoting engine, and not a chatbot bolted onto a marketing site. A user asks in plain language; CLAIR answers in the language of the policy, cites the clause or data source behind the answer, and keeps the thread so the next question builds on the last.
Retail Brokers and Producers
Answer tier-one client questions instantly, and arrive at the renewal meeting with the coverage conversation already half done.
Underwriting and Wholesale Teams
Receive submissions that are complete, consistent, and framed against the controls that actually move price.
Insureds, CISOs and Risk Managers
See which controls actually move price, where the gap sits, and what evidence a carrier will want, before the application is opened.
Core Capabilities.
Policy Language Translation
Explains forms, endorsements, sublimits and exclusions, from war and widespread event to betterment and prior acts, clause by clause.
Coverage-Part Explainers
Network security and privacy liability, business interruption and contingent BI, extortion, funds transfer fraud, media, regulatory defense.
Control Readiness Walkthrough
Steps a client through MFA scope, EDR, immutable backups, privileged access, email filtering, patch cadence and IR testing.
Gap Flagging Before Submission
Identifies the answers most likely to trigger a referral, a subjectivity, or a declination.
Exposure Narrative
Builds a scenario story scaled to industry, revenue band and data footprint, with modeled frequency and severity ranges.
Limits and Retention Framing
Supports the “how much is enough” discussion with modeled loss exceedance rather than peer benchmarks alone.
Claims-Path Navigation
First-72-hours sequence, notice provisions, panel vendor selection, consent-to-settle mechanics.
Session-to-Submission Output
Converts the conversation into a structured, citable summary the placement team can attach to a submission.
What a User Can Ask It.
- “My carrier added a widespread event exclusion. What does that actually take away?”
- “We run MFA on email but not on remote access. How much does that hurt us?”
- “What is the difference between contingent BI and system failure coverage?”
- “We are a 900-employee manufacturer at $400M revenue. Is a $10M limit defensible?”
- “Walk me through what happens in the first 24 hours of a ransomware notice.”
How a Session Works.
Frame
CLAIR opens by establishing sector, size, data types and current program structure. Three or four questions, not a form.
Converse
The user asks freely. Every answer carries an inline citation to a form, clause, threat source or modeled figure.
Pressure-Test
CLAIR surfaces the gaps the conversation exposed and states plainly which ones a carrier will price or refer.
Hand Off
The session exports as a structured summary for the broker or underwriter: questions asked, gaps found, coverage points raised.
Under the Hood.
- Reasoning layerLarge language model constrained by retrieval. CLAIR answers only from its curated corpus and says so when the corpus is silent.
- Knowledge corpusStandard and manuscript policy forms, carrier appetite guides, regulatory notification regimes, published claims precedent, threat intelligence and industry loss data.
- QuantificationFrequency and severity distributions expressed as loss exceedance ranges, refreshed on a scheduled cadence.
- GuardrailsDeterministic refusal on quoting, binding, and legal advice. Every substantive answer is citation-linked; unsupported answers are withheld rather than approximated.
- InterfaceBrowser-based conversation, embeddable in a broker portal or client extranet. No installation. Full session transcript available to the user.
Security and Privacy.
No training on customer data. Session content is never used to retrain the underlying model.
Encryption in transit and at rest, with tenant-level key separation.
Configurable retention, from ephemeral sessions to a retained audit trail, set per deployment.
Regional data residency available per deployment.
Role-scoped access, so a client-facing instance cannot surface internal appetite or pricing material.
Attestation status and deployment specifications are confirmed by Avanew per engagement. See Trust and Data Privacy.
What CLAIR Does Not Do.
- It does not quote, bind, or issue coverage.
- It does not give legal advice or render a coverage determination on a live claim.
- It does not replace the broker. It removes the repetitive half of the conversation so the judgment half gets more time.
- It does not guess. Where the corpus has no answer, it says so and routes the question to a human.
Value Proposition
Every Client Conversation Starts From an Informed Client.
The cost of cyber insurance is not only premium. It is the hours spent explaining the same eight concepts, the submissions returned incomplete, and the disputes that trace back to a clause nobody read aloud. CLAIR moves that knowledge to the front of the process, where it is cheap, instead of the back, where it is expensive.
CLAIR™ is a trademark of Avanew.