Methodology

AIV 2.0 methodology and assumptions

Transparent scenario-analysis formulas for audit and underwriting readiness. Not an actuarial opinion, legal opinion, quote, binder, or coverage determination.

AI Asset Value

$16,400,000

Formula: Sum of engineering, model, data, compute, integration, implementation, and replacement components.

Why am I seeing this number?

Engineering Labor: $3,100,000
Model Development: $1,200,000
Training And Testing: $1,800,000
Data Acquisition: $1,400,000
Informational Inputs: $900,000
Token Inference Spend: $1,100,000
Cloud Compute Spend: $1,100,000
Third Party Technology: $800,000
Integration: $2,000,000
Implementation: $1,100,000
Replacement Reconstruction: $1,900,000

AI Value at Risk

$106,657,792

Formula: Economic exposure + authority exposure + data/IP/informational exposure, adjusted by dependency and concentration.

Why am I seeing this number?

Revenue influenced
Costs controlled
Transactions controlled
Spending authority
Operational criticality
Downtime exposure
Data/IP exposure
Model/vendor concentration

Control-Adjusted Exposure

$67,514,382

Formula: AI Value at Risk x score/control modifier.

Why am I seeing this number?

Human approval
Dual approval
Spending caps
Rollback
Kill switch
Model fallback
Audit trail
Drift monitoring
Vendor diversification

Framework-aligned evidence

ISO/IEC 42001 and NIST AI RMF are governance evidence frameworks here, not underwriting conclusions or certification claims.

Framework	Clause/function	Mapped control	Evidence	Verification status
ISO/IEC 42001	AI policy and accountability	Named owner, AI-use policy	AI Use Policy	Verified
ISO/IEC 42001	Risk assessment and monitoring	Periodic reassessment, drift monitoring	Model monitoring report	Partially verified
NIST AI RMF	Govern / Map	Risk ownership and system context	System architecture	Partially verified
NIST AI RMF	Measure / Manage	Risk scoring and remediation	Assessment report	Verified