@zanii/insurance 0.1.1 → 0.1.3

package/README.md

@@ -52,3 +52,7 @@ looks safer than it is — thin or stale history is flagged, not rewarded, and a
 underwriter must treat uncovered activity as unknown risk. Cryptography verifies
 attestations, not reality: a proven incident receipt shows what was recorded, not
 everything that happened.
+
+## Changelog
+
+- **0.1.3** — Products on proven facts: parametric `triggerFact` / `parametricTriggered`, `riskLevelMix` and `usageBasedPremium` at the insurer's rates, `lossRun`, `reinsuranceBordereau`, `subrogationPack` (third parties from two-party and team receipts), recurring `warrantyCompliance`, `accumulation` on shared models or providers, `productLiabilityEvidence` and signed per-transaction `embeddedCover` notes. Facts and arithmetic; the insurer prices.

package/dist/index.d.ts

@@ -149,4 +149,5 @@ export interface ClaimAssessment {
  * incidents without valid evidence land in `unproven`.
  */
 export declare function assessClaim(claim: Claim | undefined, policy: Policy, evidence?: Record<string, IncidentEvidence>): ClaimAssessment;
+export * from './products.js';
 //# sourceMappingURL=index.d.ts.map

package/dist/index.d.ts.map

@@ -1 +1 @@
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package/dist/index.js

@@ -244,4 +244,5 @@ export function assessClaim(claim, policy, evidence = {}) {
     }
     return { ok: reasons.length === 0, reasons, proven, unproven };
 }
+export * from './products.js';
 //# sourceMappingURL=index.js.map

package/dist/index.js.map

@@ -1 +1 @@
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package/dist/products.d.ts

@@ -0,0 +1,171 @@
+/**
+ * Insurance products on proven facts: parametric triggers, usage-based premiums from the
+ * risk mix of actions, loss runs, reinsurance bordereaux, subrogation packs, warranty
+ * checks, accumulation by shared model or provider, product-liability evidence and per-
+ * transaction cover. Zanii states facts and computes with the insurer's rates; the insurer
+ * prices. Integer minor units throughout.
+ */
+import { type SignedObject } from '@zanii/core';
+import { type Money } from '@zanii/payments';
+import { type Claim, type Policy } from './index.js';
+type Receipt = {
+    target?: string;
+    risk?: string;
+    ts?: string;
+    agent_id?: string;
+    body?: {
+        target?: string;
+        ts?: string;
+    };
+    type?: string;
+    [k: string]: unknown;
+};
+export type TriggerFact = SignedObject<{
+    v: 1;
+    type: 'insurance.trigger';
+    policy: string;
+    event: string;
+    value: string;
+    ts: string;
+}>;
+/** A trusted source attests the event a parametric cover pays on (an outage, a verified equivocation, a weather index). */
+export declare function triggerFact(input: {
+    policy: string;
+    event: string;
+    value: string;
+    ts?: string;
+}, sourcePrivateKey: Uint8Array): TriggerFact;
+/** Pays automatically: a trusted source signed the trigger event for this policy, inside its period. */
+export declare function parametricTriggered(policy: Policy, fact: TriggerFact, trigger: {
+    event: string;
+    value: string;
+    trustedSources: string[];
+}): {
+    pay: boolean;
+    reasons: string[];
+    amount: Money | null;
+};
+/** How the insured agent's actions split across risk levels, and how many carry no label. */
+export declare function riskLevelMix(receipts: Receipt[]): {
+    actions: number;
+    mix: Record<string, number>;
+    unlabelledShare: number;
+};
+/**
+ * A premium from verified activity at the insurer's per-action rates. Unlabelled actions
+ * are charged at the rate the insurer sets for them (usually the high rate).
+ */
+export declare function usageBasedPremium(receipts: Receipt[], rates: {
+    currency: string;
+    low: number;
+    medium: number;
+    high: number;
+    critical: number;
+    unlabelled: number;
+}): {
+    premium: Money;
+    lines: {
+        level: string;
+        actions: number;
+        rate_minor: number;
+    }[];
+    basis: string;
+};
+/** Claims and payments per period, for renewal. */
+export declare function lossRun(entries: Array<{
+    claim: Claim;
+    paid_minor?: string;
+}>): {
+    year: string;
+    claims: number;
+    paid_minor: string;
+}[];
+/** The portfolio listing a reinsurer expects: one row per policy, plus totals. */
+export declare function reinsuranceBordereau(policies: Policy[]): {
+    rows: {
+        policy: string;
+        subject: string;
+        start: string;
+        end: string;
+        limit_minor: string;
+        premium_minor: string;
+        currency: string;
+        scopes: string[];
+    }[];
+    totals: {
+        policies: number;
+        limit_minor: string;
+        premium_minor: string;
+    };
+};
+/** For recovery: the other agents involved in the incidents (from two-party and team receipts). */
+export declare function subrogationPack(claim: Claim, incidentReceipts: Receipt[], insured: string): {
+    claim: string;
+    thirdParties: string[];
+    incidents: {
+        target: string;
+        ts: string;
+        hash: string;
+    }[];
+};
+/** Warranties as evidence that must recur (e.g. a red-team report every 30 days, sealed keys at start). */
+export declare function warrantyCompliance(warranties: Array<{
+    id: string;
+    target: string;
+    everyDays: number;
+}>, receipts: Receipt[], period: {
+    start: string;
+    end: string;
+}): {
+    id: string;
+    evidence: number;
+    maxGapDays: number;
+    met: boolean;
+}[];
+/**
+ * Accumulation: the share of total limits that rests on one shared dependency (a model, a
+ * cloud, a provider). A correlated failure there hits every policy at once.
+ */
+export declare function accumulation(policies: Array<{
+    policy: Policy;
+    dependencies: string[];
+}>, threshold?: number): {
+    dependency: string;
+    limit_minor: string;
+    share: number;
+    concentrated: boolean;
+}[];
+/** Evidence for a product-liability claim: which version and attested build ran, what it did, in order. */
+export declare function productLiabilityEvidence(input: {
+    product: string;
+    version: string;
+    attestationHash?: string;
+    incidents: Receipt[];
+}): {
+    product: string;
+    version: string;
+    attestation: string | null;
+    timeline: {
+        ts: string;
+        target: string;
+        risk: string | null;
+        hash: string;
+    }[];
+};
+export type CoverNote = SignedObject<{
+    v: 1;
+    type: 'insurance.cover_note';
+    transaction: string;
+    covered: Money;
+    premium: Money;
+    risk: string;
+    ts: string;
+}>;
+/** Cover for one transaction at checkout: premium = amount x the insurer's rate for its risk (basis points), signed by the insurer. */
+export declare function embeddedCover(tx: {
+    id: string;
+    amount: Money;
+    risk: 'low' | 'medium' | 'high' | 'critical';
+}, rate_bps: Record<string, number>, insurerPrivateKey: Uint8Array, ts?: string): CoverNote;
+export {};
+//# sourceMappingURL=products.d.ts.map

package/dist/products.d.ts.map

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package/dist/products.js

@@ -0,0 +1,122 @@
+/**
+ * Insurance products on proven facts: parametric triggers, usage-based premiums from the
+ * risk mix of actions, loss runs, reinsurance bordereaux, subrogation packs, warranty
+ * checks, accumulation by shared model or provider, product-liability evidence and per-
+ * transaction cover. Zanii states facts and computes with the insurer's rates; the insurer
+ * prices. Integer minor units throughout.
+ */
+import { jcsHash, participantsOf, scopeCovers, signObject, verifySignedObject } from '@zanii/core';
+import { formatMoney } from '@zanii/payments';
+import { policyHash } from './index.js';
+const money = (minor, currency) => ({ currency, minor: minor.toString(), display: `${formatMoney(minor, currency)} ${currency}` });
+const targetOf = (r) => r.target ?? r.body?.target ?? '';
+const tsOf = (r) => r.ts ?? r.body?.ts ?? '';
+/** A trusted source attests the event a parametric cover pays on (an outage, a verified equivocation, a weather index). */
+export function triggerFact(input, sourcePrivateKey) {
+    return signObject({ v: 1, type: 'insurance.trigger', ...input, ts: input.ts ?? new Date().toISOString() }, sourcePrivateKey);
+}
+/** Pays automatically: a trusted source signed the trigger event for this policy, inside its period. */
+export function parametricTriggered(policy, fact, trigger) {
+    const reasons = [];
+    if (!verifySignedObject(fact) || !trigger.trustedSources.includes(fact.signer))
+        reasons.push('trigger is not from a trusted source');
+    if (fact.policy !== policyHash(policy))
+        reasons.push('trigger is for another policy');
+    if (fact.event !== trigger.event || fact.value !== trigger.value)
+        reasons.push(`expected ${trigger.event}=${trigger.value}`);
+    if (fact.ts < policy.body.period.start || fact.ts > policy.body.period.end)
+        reasons.push('trigger is outside the policy period');
+    return { pay: reasons.length === 0, reasons, amount: reasons.length ? null : policy.body.coverage_limit };
+}
+/** How the insured agent's actions split across risk levels, and how many carry no label. */
+export function riskLevelMix(receipts) {
+    const mix = { low: 0, medium: 0, high: 0, critical: 0, unlabelled: 0 };
+    for (const r of receipts)
+        mix[typeof r.risk === 'string' && r.risk in mix ? r.risk : 'unlabelled']++;
+    return { actions: receipts.length, mix, unlabelledShare: receipts.length ? mix.unlabelled / receipts.length : 0 };
+}
+/**
+ * A premium from verified activity at the insurer's per-action rates. Unlabelled actions
+ * are charged at the rate the insurer sets for them (usually the high rate).
+ */
+export function usageBasedPremium(receipts, rates) {
+    const { mix } = riskLevelMix(receipts);
+    let total = 0n;
+    const lines = [];
+    for (const level of ['low', 'medium', 'high', 'critical', 'unlabelled']) {
+        const rate = rates[level];
+        if (!Number.isSafeInteger(rate) || rate < 0)
+            throw new Error(`insurance: rate for ${level} must be a non-negative integer (minor units)`);
+        total += BigInt(rate) * BigInt(mix[level]);
+        lines.push({ level, actions: mix[level], rate_minor: rate });
+    }
+    return { premium: money(total, rates.currency), lines, basis: jcsHash(receipts.map((r) => jcsHash(r))) };
+}
+/** Claims and payments per period, for renewal. */
+export function lossRun(entries) {
+    const byYear = {};
+    for (const e of entries) {
+        const y = e.claim.body.ts.slice(0, 4);
+        const s = (byYear[y] ??= { claims: 0, paid_minor: 0n });
+        s.claims++;
+        s.paid_minor += BigInt(e.paid_minor ?? '0');
+    }
+    return Object.entries(byYear).sort(([a], [b]) => a.localeCompare(b)).map(([year, s]) => ({ year, claims: s.claims, paid_minor: s.paid_minor.toString() }));
+}
+/** The portfolio listing a reinsurer expects: one row per policy, plus totals. */
+export function reinsuranceBordereau(policies) {
+    const rows = policies.map((p) => ({ policy: policyHash(p), subject: p.body.subject, start: p.body.period.start, end: p.body.period.end, limit_minor: p.body.coverage_limit.minor, premium_minor: p.body.premium.minor, currency: p.body.premium.currency, scopes: p.body.covered_scopes }));
+    const sum = (k) => rows.reduce((s, r) => s + BigInt(r[k]), 0n).toString();
+    return { rows, totals: { policies: rows.length, limit_minor: sum('limit_minor'), premium_minor: sum('premium_minor') } };
+}
+/** For recovery: the other agents involved in the incidents (from two-party and team receipts). */
+export function subrogationPack(claim, incidentReceipts, insured) {
+    const others = new Set();
+    for (const r of incidentReceipts)
+        for (const p of participantsOf(r))
+            if (p !== insured)
+                others.add(p);
+    return { claim: jcsHash(claim), thirdParties: [...others], incidents: incidentReceipts.map((r) => ({ target: targetOf(r), ts: tsOf(r), hash: jcsHash(r) })) };
+}
+/** Warranties as evidence that must recur (e.g. a red-team report every 30 days, sealed keys at start). */
+export function warrantyCompliance(warranties, receipts, period) {
+    return warranties.map((w) => {
+        const times = receipts.filter((r) => scopeCovers(w.target, targetOf(r)) && tsOf(r) >= period.start && tsOf(r) <= period.end).map(tsOf).sort();
+        const points = [period.start, ...times, period.end];
+        let maxGap = 0;
+        for (let i = 1; i < points.length; i++)
+            maxGap = Math.max(maxGap, (Date.parse(points[i]) - Date.parse(points[i - 1])) / 86_400_000);
+        return { id: w.id, evidence: times.length, maxGapDays: Math.round(maxGap), met: times.length > 0 && maxGap <= w.everyDays };
+    });
+}
+/**
+ * Accumulation: the share of total limits that rests on one shared dependency (a model, a
+ * cloud, a provider). A correlated failure there hits every policy at once.
+ */
+export function accumulation(policies, threshold = 0.25) {
+    const total = policies.reduce((s, p) => s + BigInt(p.policy.body.coverage_limit.minor), 0n);
+    const by = new Map();
+    for (const p of policies)
+        for (const d of p.dependencies)
+            by.set(d, (by.get(d) ?? 0n) + BigInt(p.policy.body.coverage_limit.minor));
+    return [...by].map(([dependency, limit]) => {
+        const share = total ? Number((limit * 10000n) / total) / 10000 : 0;
+        return { dependency, limit_minor: limit.toString(), share, concentrated: share >= threshold };
+    }).sort((a, b) => b.share - a.share);
+}
+/** Evidence for a product-liability claim: which version and attested build ran, what it did, in order. */
+export function productLiabilityEvidence(input) {
+    return {
+        product: input.product, version: input.version, attestation: input.attestationHash ?? null,
+        timeline: [...input.incidents].sort((a, b) => tsOf(a).localeCompare(tsOf(b))).map((r) => ({ ts: tsOf(r), target: targetOf(r), risk: r.risk ?? null, hash: jcsHash(r) })),
+    };
+}
+/** Cover for one transaction at checkout: premium = amount x the insurer's rate for its risk (basis points), signed by the insurer. */
+export function embeddedCover(tx, rate_bps, insurerPrivateKey, ts = new Date().toISOString()) {
+    const bps = rate_bps[tx.risk];
+    if (bps === undefined || !Number.isSafeInteger(bps) || bps < 0)
+        throw new Error(`insurance: no rate for ${tx.risk}`);
+    const premium = (BigInt(tx.amount.minor) * BigInt(bps)) / 10000n;
+    return signObject({ v: 1, type: 'insurance.cover_note', transaction: tx.id, covered: tx.amount, premium: money(premium, tx.amount.currency), risk: tx.risk, ts }, insurerPrivateKey);
+}
+//# sourceMappingURL=products.js.map

package/dist/products.js.map

@@ -0,0 +1 @@
+{"version":3,"file":"products.js","sourceRoot":"","sources":["../src/products.ts"],"names":[],"mappings":"AAAA;;;;;;GAMG;AACH,OAAO,EAAE,OAAO,EAAE,cAAc,EAAE,WAAW,EAAE,UAAU,EAAE,kBAAkB,EAAqB,MAAM,aAAa,CAAC;AACtH,OAAO,EAAE,WAAW,EAAc,MAAM,iBAAiB,CAAC;AAC1D,OAAO,EAAE,UAAU,EAA2B,MAAM,YAAY,CAAC;AAGjE,MAAM,KAAK,GAAG,CAAC,KAAa,EAAE,QAAgB,EAAS,EAAE,CAAC,CAAC,EAAE,QAAQ,EAAE,KAAK,EAAE,KAAK,CAAC,QAAQ,EAAE,EAAE,OAAO,EAAE,GAAG,WAAW,CAAC,KAAK,EAAE,QAAQ,CAAC,IAAI,QAAQ,EAAE,EAAE,CAAC,CAAC;AAC1J,MAAM,QAAQ,GAAG,CAAC,CAAU,EAAE,EAAE,CAAC,CAAC,CAAC,MAAM,IAAI,CAAC,CAAC,IAAI,EAAE,MAAM,IAAI,EAAE,CAAC;AAClE,MAAM,IAAI,GAAG,CAAC,CAAU,EAAE,EAAE,CAAC,CAAC,CAAC,EAAE,IAAI,CAAC,CAAC,IAAI,EAAE,EAAE,IAAI,EAAE,CAAC;AAItD,2HAA2H;AAC3H,MAAM,UAAU,WAAW,CAAC,KAAoE,EAAE,gBAA4B;IAC5H,OAAO,UAAU,CAAC,EAAE,CAAC,EAAE,CAAU,EAAE,IAAI,EAAE,mBAA4B,EAAE,GAAG,KAAK,EAAE,EAAE,EAAE,KAAK,CAAC,EAAE,IAAI,IAAI,IAAI,EAAE,CAAC,WAAW,EAAE,EAAE,EAAE,gBAAgB,CAAC,CAAC;AACjJ,CAAC;AAED,wGAAwG;AACxG,MAAM,UAAU,mBAAmB,CAAC,MAAc,EAAE,IAAiB,EAAE,OAAmE;IACxI,MAAM,OAAO,GAAa,EAAE,CAAC;IAC7B,IAAI,CAAC,kBAAkB,CAAC,IAAI,CAAC,IAAI,CAAC,OAAO,CAAC,cAAc,CAAC,QAAQ,CAAC,IAAI,CAAC,MAAM,CAAC;QAAE,OAAO,CAAC,IAAI,CAAC,sCAAsC,CAAC,CAAC;IACrI,IAAI,IAAI,CAAC,MAAM,KAAK,UAAU,CAAC,MAAM,CAAC;QAAE,OAAO,CAAC,IAAI,CAAC,+BAA+B,CAAC,CAAC;IACtF,IAAI,IAAI,CAAC,KAAK,KAAK,OAAO,CAAC,KAAK,IAAI,IAAI,CAAC,KAAK,KAAK,OAAO,CAAC,KAAK;QAAE,OAAO,CAAC,IAAI,CAAC,YAAY,OAAO,CAAC,KAAK,IAAI,OAAO,CAAC,KAAK,EAAE,CAAC,CAAC;IAC7H,IAAI,IAAI,CAAC,EAAE,GAAG,MAAM,CAAC,IAAI,CAAC,MAAM,CAAC,KAAK,IAAI,IAAI,CAAC,EAAE,GAAG,MAAM,CAAC,IAAI,CAAC,MAAM,CAAC,GAAG;QAAE,OAAO,CAAC,IAAI,CAAC,sCAAsC,CAAC,CAAC;IACjI,OAAO,EAAE,GAAG,EAAE,OAAO,CAAC,MAAM,KAAK,CAAC,EAAE,OAAO,EAAE,MAAM,EAAE,OAAO,CAAC,MAAM,CAAC,CAAC,CAAC,IAAI,CAAC,CAAC,CAAC,MAAM,CAAC,IAAI,CAAC,cAAc,EAAE,CAAC;AAC5G,CAAC;AAED,6FAA6F;AAC7F,MAAM,UAAU,YAAY,CAAC,QAAmB;IAC9C,MAAM,GAAG,GAA2B,EAAE,GAAG,EAAE,CAAC,EAAE,MAAM,EAAE,CAAC,EAAE,IAAI,EAAE,CAAC,EAAE,QAAQ,EAAE,CAAC,EAAE,UAAU,EAAE,CAAC,EAAE,CAAC;IAC/F,KAAK,MAAM,CAAC,IAAI,QAAQ;QAAE,GAAG,CAAC,OAAO,CAAC,CAAC,IAAI,KAAK,QAAQ,IAAI,CAAC,CAAC,IAAI,IAAI,GAAG,CAAC,CAAC,CAAC,CAAC,CAAC,IAAI,CAAC,CAAC,CAAC,YAAY,CAAE,EAAE,CAAC;IACtG,OAAO,EAAE,OAAO,EAAE,QAAQ,CAAC,MAAM,EAAE,GAAG,EAAE,eAAe,EAAE,QAAQ,CAAC,MAAM,CAAC,CAAC,CAAC,GAAG,CAAC,UAAW,GAAG,QAAQ,CAAC,MAAM,CAAC,CAAC,CAAC,CAAC,EAAE,CAAC;AACrH,CAAC;AAED;;;GAGG;AACH,MAAM,UAAU,iBAAiB,CAAC,QAAmB,EAAE,KAA4G;IACjK,MAAM,EAAE,GAAG,EAAE,GAAG,YAAY,CAAC,QAAQ,CAAC,CAAC;IACvC,IAAI,KAAK,GAAG,EAAE,CAAC;IACf,MAAM,KAAK,GAAkE,EAAE,CAAC;IAChF,KAAK,MAAM,KAAK,IAAI,CAAC,KAAK,EAAE,QAAQ,EAAE,MAAM,EAAE,UAAU,EAAE,YAAY,CAAU,EAAE,CAAC;QACjF,MAAM,IAAI,GAAG,KAAK,CAAC,KAAK,CAAC,CAAC;QAC1B,IAAI,CAAC,MAAM,CAAC,aAAa,CAAC,IAAI,CAAC,IAAI,IAAI,GAAG,CAAC;YAAE,MAAM,IAAI,KAAK,CAAC,uBAAuB,KAAK,+CAA+C,CAAC,CAAC;QAC1I,KAAK,IAAI,MAAM,CAAC,IAAI,CAAC,GAAG,MAAM,CAAC,GAAG,CAAC,KAAK,CAAE,CAAC,CAAC;QAC5C,KAAK,CAAC,IAAI,CAAC,EAAE,KAAK,EAAE,OAAO,EAAE,GAAG,CAAC,KAAK,CAAE,EAAE,UAAU,EAAE,IAAI,EAAE,CAAC,CAAC;IAChE,CAAC;IACD,OAAO,EAAE,OAAO,EAAE,KAAK,CAAC,KAAK,EAAE,KAAK,CAAC,QAAQ,CAAC,EAAE,KAAK,EAAE,KAAK,EAAE,OAAO,CAAC,QAAQ,CAAC,GAAG,CAAC,CAAC,CAAC,EAAE,EAAE,CAAC,OAAO,CAAC,CAAU,CAAC,CAAC,CAAC,EAAE,CAAC;AACpH,CAAC;AAED,mDAAmD;AACnD,MAAM,UAAU,OAAO,CAAC,OAAqD;IAC3E,MAAM,MAAM,GAA2D,EAAE,CAAC;IAC1E,KAAK,MAAM,CAAC,IAAI,OAAO,EAAE,CAAC;QACxB,MAAM,CAAC,GAAG,CAAC,CAAC,KAAK,CAAC,IAAI,CAAC,EAAE,CAAC,KAAK,CAAC,CAAC,EAAE,CAAC,CAAC,CAAC;QACtC,MAAM,CAAC,GAAG,CAAC,MAAM,CAAC,CAAC,CAAC,KAAK,EAAE,MAAM,EAAE,CAAC,EAAE,UAAU,EAAE,EAAE,EAAE,CAAC,CAAC;QACxD,CAAC,CAAC,MAAM,EAAE,CAAC;QACX,CAAC,CAAC,UAAU,IAAI,MAAM,CAAC,CAAC,CAAC,UAAU,IAAI,GAAG,CAAC,CAAC;IAC9C,CAAC;IACD,OAAO,MAAM,CAAC,OAAO,CAAC,MAAM,CAAC,CAAC,IAAI,CAAC,CAAC,CAAC,CAAC,CAAC,EAAE,CAAC,CAAC,CAAC,EAAE,EAAE,CAAC,CAAC,CAAC,aAAa,CAAC,CAAC,CAAC,CAAC,CAAC,GAAG,CAAC,CAAC,CAAC,IAAI,EAAE,CAAC,CAAC,EAAE,EAAE,CAAC,CAAC,EAAE,IAAI,EAAE,MAAM,EAAE,CAAC,CAAC,MAAM,EAAE,UAAU,EAAE,CAAC,CAAC,UAAU,CAAC,QAAQ,EAAE,EAAE,CAAC,CAAC,CAAC;AAC7J,CAAC;AAED,kFAAkF;AAClF,MAAM,UAAU,oBAAoB,CAAC,QAAkB;IACrD,MAAM,IAAI,GAAG,QAAQ,CAAC,GAAG,CAAC,CAAC,CAAC,EAAE,EAAE,CAAC,CAAC,EAAE,MAAM,EAAE,UAAU,CAAC,CAAC,CAAC,EAAE,OAAO,EAAE,CAAC,CAAC,IAAI,CAAC,OAAO,EAAE,KAAK,EAAE,CAAC,CAAC,IAAI,CAAC,MAAM,CAAC,KAAK,EAAE,GAAG,EAAE,CAAC,CAAC,IAAI,CAAC,MAAM,CAAC,GAAG,EAAE,WAAW,EAAE,CAAC,CAAC,IAAI,CAAC,cAAc,CAAC,KAAK,EAAE,aAAa,EAAE,CAAC,CAAC,IAAI,CAAC,OAAO,CAAC,KAAK,EAAE,QAAQ,EAAE,CAAC,CAAC,IAAI,CAAC,OAAO,CAAC,QAAQ,EAAE,MAAM,EAAE,CAAC,CAAC,IAAI,CAAC,cAAc,EAAE,CAAC,CAAC,CAAC;IAC5R,MAAM,GAAG,GAAG,CAAC,CAAkC,EAAE,EAAE,CAAC,IAAI,CAAC,MAAM,CAAC,CAAC,CAAC,EAAE,CAAC,EAAE,EAAE,CAAC,CAAC,GAAG,MAAM,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAE,EAAE,CAAC,CAAC,QAAQ,EAAE,CAAC;IAC3G,OAAO,EAAE,IAAI,EAAE,MAAM,EAAE,EAAE,QAAQ,EAAE,IAAI,CAAC,MAAM,EAAE,WAAW,EAAE,GAAG,CAAC,aAAa,CAAC,EAAE,aAAa,EAAE,GAAG,CAAC,eAAe,CAAC,EAAE,EAAE,CAAC;AAC3H,CAAC;AAED,mGAAmG;AACnG,MAAM,UAAU,eAAe,CAAC,KAAY,EAAE,gBAA2B,EAAE,OAAe;IACxF,MAAM,MAAM,GAAG,IAAI,GAAG,EAAU,CAAC;IACjC,KAAK,MAAM,CAAC,IAAI,gBAAgB;QAAE,KAAK,MAAM,CAAC,IAAI,cAAc,CAAC,CAAU,CAAC;YAAE,IAAI,CAAC,KAAK,OAAO;gBAAE,MAAM,CAAC,GAAG,CAAC,CAAC,CAAC,CAAC;IAC/G,OAAO,EAAE,KAAK,EAAE,OAAO,CAAC,KAA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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@zanii/insurance",
-  "version": "0.1.1",
+  "version": "0.1.3",
   "description": "Machine-verifiable underwriting for agent liability - risk FACTS from the ledger's own un-inflatable aggregate (never a score), a co-signed policy, and claims that resolve against Merkle-proven receipts instead of disputes. Zanii states facts; insurers price. Ledger silence is unknown, not good.",
   "license": "Apache-2.0",
   "homepage": "https://ledger.zanii.agency",
@@ -33,9 +33,9 @@
   "dependencies": {
     "@noble/curves": "^1.8.1",
     "@noble/hashes": "^1.7.1",
-    "@zanii/core": "^0.4.0",
-    "@zanii/a2a-directory": "^0.1.1",
-    "@zanii/payments": "^0.2.0"
+    "@zanii/core": "^0.5.4",
+    "@zanii/a2a-directory": "^0.1.3",
+    "@zanii/payments": "^0.2.1"
   },
   "scripts": {
     "build": "tsc -p tsconfig.build.json",

package/src/index.ts

@@ -386,3 +386,4 @@ export function assessClaim(
 
   return { ok: reasons.length === 0, reasons, proven, unproven };
 }
+export * from './products.js';

package/src/products.ts

@@ -0,0 +1,125 @@
+/**
+ * Insurance products on proven facts: parametric triggers, usage-based premiums from the
+ * risk mix of actions, loss runs, reinsurance bordereaux, subrogation packs, warranty
+ * checks, accumulation by shared model or provider, product-liability evidence and per-
+ * transaction cover. Zanii states facts and computes with the insurer's rates; the insurer
+ * prices. Integer minor units throughout.
+ */
+import { jcsHash, participantsOf, scopeCovers, signObject, verifySignedObject, type SignedObject } from '@zanii/core';
+import { formatMoney, type Money } from '@zanii/payments';
+import { policyHash, type Claim, type Policy } from './index.js';
+
+type Receipt = { target?: string; risk?: string; ts?: string; agent_id?: string; body?: { target?: string; ts?: string }; type?: string; [k: string]: unknown };
+const money = (minor: bigint, currency: string): Money => ({ currency, minor: minor.toString(), display: `${formatMoney(minor, currency)} ${currency}` });
+const targetOf = (r: Receipt) => r.target ?? r.body?.target ?? '';
+const tsOf = (r: Receipt) => r.ts ?? r.body?.ts ?? '';
+
+export type TriggerFact = SignedObject<{ v: 1; type: 'insurance.trigger'; policy: string; event: string; value: string; ts: string }>;
+
+/** A trusted source attests the event a parametric cover pays on (an outage, a verified equivocation, a weather index). */
+export function triggerFact(input: { policy: string; event: string; value: string; ts?: string }, sourcePrivateKey: Uint8Array): TriggerFact {
+  return signObject({ v: 1 as const, type: 'insurance.trigger' as const, ...input, ts: input.ts ?? new Date().toISOString() }, sourcePrivateKey);
+}
+
+/** Pays automatically: a trusted source signed the trigger event for this policy, inside its period. */
+export function parametricTriggered(policy: Policy, fact: TriggerFact, trigger: { event: string; value: string; trustedSources: string[] }) {
+  const reasons: string[] = [];
+  if (!verifySignedObject(fact) || !trigger.trustedSources.includes(fact.signer)) reasons.push('trigger is not from a trusted source');
+  if (fact.policy !== policyHash(policy)) reasons.push('trigger is for another policy');
+  if (fact.event !== trigger.event || fact.value !== trigger.value) reasons.push(`expected ${trigger.event}=${trigger.value}`);
+  if (fact.ts < policy.body.period.start || fact.ts > policy.body.period.end) reasons.push('trigger is outside the policy period');
+  return { pay: reasons.length === 0, reasons, amount: reasons.length ? null : policy.body.coverage_limit };
+}
+
+/** How the insured agent's actions split across risk levels, and how many carry no label. */
+export function riskLevelMix(receipts: Receipt[]) {
+  const mix: Record<string, number> = { low: 0, medium: 0, high: 0, critical: 0, unlabelled: 0 };
+  for (const r of receipts) mix[typeof r.risk === 'string' && r.risk in mix ? r.risk : 'unlabelled']!++;
+  return { actions: receipts.length, mix, unlabelledShare: receipts.length ? mix.unlabelled! / receipts.length : 0 };
+}
+
+/**
+ * A premium from verified activity at the insurer's per-action rates. Unlabelled actions
+ * are charged at the rate the insurer sets for them (usually the high rate).
+ */
+export function usageBasedPremium(receipts: Receipt[], rates: { currency: string; low: number; medium: number; high: number; critical: number; unlabelled: number }) {
+  const { mix } = riskLevelMix(receipts);
+  let total = 0n;
+  const lines: Array<{ level: string; actions: number; rate_minor: number }> = [];
+  for (const level of ['low', 'medium', 'high', 'critical', 'unlabelled'] as const) {
+    const rate = rates[level];
+    if (!Number.isSafeInteger(rate) || rate < 0) throw new Error(`insurance: rate for ${level} must be a non-negative integer (minor units)`);
+    total += BigInt(rate) * BigInt(mix[level]!);
+    lines.push({ level, actions: mix[level]!, rate_minor: rate });
+  }
+  return { premium: money(total, rates.currency), lines, basis: jcsHash(receipts.map((r) => jcsHash(r as never))) };
+}
+
+/** Claims and payments per period, for renewal. */
+export function lossRun(entries: Array<{ claim: Claim; paid_minor?: string }>) {
+  const byYear: Record<string, { claims: number; paid_minor: bigint }> = {};
+  for (const e of entries) {
+    const y = e.claim.body.ts.slice(0, 4);
+    const s = (byYear[y] ??= { claims: 0, paid_minor: 0n });
+    s.claims++;
+    s.paid_minor += BigInt(e.paid_minor ?? '0');
+  }
+  return Object.entries(byYear).sort(([a], [b]) => a.localeCompare(b)).map(([year, s]) => ({ year, claims: s.claims, paid_minor: s.paid_minor.toString() }));
+}
+
+/** The portfolio listing a reinsurer expects: one row per policy, plus totals. */
+export function reinsuranceBordereau(policies: Policy[]) {
+  const rows = policies.map((p) => ({ policy: policyHash(p), subject: p.body.subject, start: p.body.period.start, end: p.body.period.end, limit_minor: p.body.coverage_limit.minor, premium_minor: p.body.premium.minor, currency: p.body.premium.currency, scopes: p.body.covered_scopes }));
+  const sum = (k: 'limit_minor' | 'premium_minor') => rows.reduce((s, r) => s + BigInt(r[k]), 0n).toString();
+  return { rows, totals: { policies: rows.length, limit_minor: sum('limit_minor'), premium_minor: sum('premium_minor') } };
+}
+
+/** For recovery: the other agents involved in the incidents (from two-party and team receipts). */
+export function subrogationPack(claim: Claim, incidentReceipts: Receipt[], insured: string) {
+  const others = new Set<string>();
+  for (const r of incidentReceipts) for (const p of participantsOf(r as never)) if (p !== insured) others.add(p);
+  return { claim: jcsHash(claim as never), thirdParties: [...others], incidents: incidentReceipts.map((r) => ({ target: targetOf(r), ts: tsOf(r), hash: jcsHash(r as never) })) };
+}
+
+/** Warranties as evidence that must recur (e.g. a red-team report every 30 days, sealed keys at start). */
+export function warrantyCompliance(warranties: Array<{ id: string; target: string; everyDays: number }>, receipts: Receipt[], period: { start: string; end: string }) {
+  return warranties.map((w) => {
+    const times = receipts.filter((r) => scopeCovers(w.target, targetOf(r)) && tsOf(r) >= period.start && tsOf(r) <= period.end).map(tsOf).sort();
+    const points = [period.start, ...times, period.end];
+    let maxGap = 0;
+    for (let i = 1; i < points.length; i++) maxGap = Math.max(maxGap, (Date.parse(points[i]!) - Date.parse(points[i - 1]!)) / 86_400_000);
+    return { id: w.id, evidence: times.length, maxGapDays: Math.round(maxGap), met: times.length > 0 && maxGap <= w.everyDays };
+  });
+}
+
+/**
+ * Accumulation: the share of total limits that rests on one shared dependency (a model, a
+ * cloud, a provider). A correlated failure there hits every policy at once.
+ */
+export function accumulation(policies: Array<{ policy: Policy; dependencies: string[] }>, threshold = 0.25) {
+  const total = policies.reduce((s, p) => s + BigInt(p.policy.body.coverage_limit.minor), 0n);
+  const by = new Map<string, bigint>();
+  for (const p of policies) for (const d of p.dependencies) by.set(d, (by.get(d) ?? 0n) + BigInt(p.policy.body.coverage_limit.minor));
+  return [...by].map(([dependency, limit]) => {
+    const share = total ? Number((limit * 10000n) / total) / 10000 : 0;
+    return { dependency, limit_minor: limit.toString(), share, concentrated: share >= threshold };
+  }).sort((a, b) => b.share - a.share);
+}
+
+/** Evidence for a product-liability claim: which version and attested build ran, what it did, in order. */
+export function productLiabilityEvidence(input: { product: string; version: string; attestationHash?: string; incidents: Receipt[] }) {
+  return {
+    product: input.product, version: input.version, attestation: input.attestationHash ?? null,
+    timeline: [...input.incidents].sort((a, b) => tsOf(a).localeCompare(tsOf(b))).map((r) => ({ ts: tsOf(r), target: targetOf(r), risk: r.risk ?? null, hash: jcsHash(r as never) })),
+  };
+}
+
+export type CoverNote = SignedObject<{ v: 1; type: 'insurance.cover_note'; transaction: string; covered: Money; premium: Money; risk: string; ts: string }>;
+
+/** Cover for one transaction at checkout: premium = amount x the insurer's rate for its risk (basis points), signed by the insurer. */
+export function embeddedCover(tx: { id: string; amount: Money; risk: 'low' | 'medium' | 'high' | 'critical' }, rate_bps: Record<string, number>, insurerPrivateKey: Uint8Array, ts = new Date().toISOString()): CoverNote {
+  const bps = rate_bps[tx.risk];
+  if (bps === undefined || !Number.isSafeInteger(bps) || bps < 0) throw new Error(`insurance: no rate for ${tx.risk}`);
+  const premium = (BigInt(tx.amount.minor) * BigInt(bps)) / 10_000n;
+  return signObject({ v: 1 as const, type: 'insurance.cover_note' as const, transaction: tx.id, covered: tx.amount, premium: money(premium, tx.amount.currency), risk: tx.risk, ts }, insurerPrivateKey);
+}