Reserving lens

Reserve load R = R₀ + α·H_claims

AI liability loss data is thin, but claim friction is immediately recognizable. The reserving lens converts evidentiary distortion on claims-side decisions into a candidate uncertainty margin.

Formula

R = R_{0} + α H_{claims}

Baseline reserve R₀$500,000

Load per claims-holonom α$12,000

$0$50,000

Flag rows as claims-side in the workbench to include them. Current H_claims = 25.58.

Indicated reserve

$806,913

Uncertainty load: $306,913 · 61.4% over baseline

Claims-side decisions

AI-assisted credit denials · Financial Institutions9.48
Claims triage recommendation · Professional Indemnity7.24
LLM contract review (advisory) · Tech E&O8.85

Reserve load R = R₀ + α·Hclaims

Reserve load R = R₀ + α·H_claims