Sycoindex for Insurance Brokers

The gap, in one paragraph

The Verisk ISO AI exclusion endorsements that took effect January 1, 2026 carve AI-caused loss out of standard E&O and cyber. The NAIC Model Bulletin on the Use of AI Systems by Insurers requires carriers to expect measurable controls. Between those two moves sits every company that deploys a large language model in customer-facing operations — and no insurable control framework for the specific failure mode (sycophancy) that is now driving litigation. Sycoindex is the control framework.

What you get, as a broker

A turnkey submission package for any insured with LLM exposure — and a referral fee that pays on bound and renewed policies.

1 · Submission artifact

A signed Sycoindex honesty report your insured can attach to the carrier submission. Six benchmarks, composite score, audit log hash. Formatted for underwriter intake.

2 · Carrier packet

The technical appendix your underwriter will ask for: methodology, judge rubrics, sampling protocol, reproducibility. Already written. Already published.

3 · Renewal telemetry

Continuous weekly scoring so the insured's composite doesn't drift silently between renewals. Automatic material-change notices to the broker on threshold breaches.

4 · Claims support

If a sycophancy-related claim hits, the defense gets a tamper-evident audit log on day one — not a four-month forensic engagement. Claims counsel love this.

5 · Co-branded content

White-label the carrier packet under your brokerage's letterhead. Sycoindex stays invisible to the insured if you prefer; we exist to make you look good.

6 · Referral compensation

Paid on bound AND renewed policies, not just on first placement. See the program table below.

Referral program

Straightforward. Paid on bound and renewed policies. Pass-through for captives and risk managers. White-label available for retail agencies. Program letter and W-9 sent on request.

Role	Action	Structure
Referring broker	Insured purchases Sycoindex scoring as part of submission package	Revenue share on first year and every renewal
Risk manager / captive	Internal adoption at a client we did not originate	Pass-through at Sycoindex list, no markup
Retail agency	White-label re-sale under agency branding	Wholesale pricing available

Program details, exact compensation terms, and W-9 are available to registered brokers on request. Email brokers@sycoindex.ai.

How the conversation goes

A script for the next renewal meeting with a client that has any LLM exposure.

Open with the exclusion. "Your current E&O wording now includes an ISO endorsement that excludes AI-caused loss. This is new as of January 1."
Name the specific failure mode. "The carriers aren't worried about hallucination in the abstract. They're worried about sycophancy — the model agreeing with a customer's incorrect framing. That's the failure mode named in the Kentucky AG action and the Raine complaint."
Produce the measurement. "There's now a standard measurement artifact for that — Sycoindex. It scores your deployed model against six published benchmarks and produces a signed report."
Offer the packet. "I can attach that report to your next submission. The carrier packet is already written and the methodology is public."
Close on renewal timing. "If we start the scoring this month, you'll have three full weekly runs in the file by the renewal window. That's enough to show trend."

"I don't need another tool that costs my client money. I need an artifact the underwriter will accept. Sycoindex is the first AI-honesty artifact my underwriter has actually asked to see."

— illustrative broker quote, paraphrased from program conversations

Place AI E&O again.