Patented Machine Learning Built on Insurance Outcomes.
4SEEN® is Cyberwrite's patented AI analytics engine, a suite of machine learning models trained exclusively on cyber insurance claims data. It doesn't just assess security posture. It predicts insurance outcomes: loss ratios, claim frequency, severity, and breach probability, in seconds.
Traditional Cyber Risk Tools Measure Security. 4SEEN® Predicts Financial Outcomes Instead.
Security ratings and vulnerability scanners tell you what's exposed — but not what it will cost. 4SEEN® bridges the gap between cybersecurity data and insurance-grade financial predictions, giving underwriters, brokers, and risk managers the actuarial clarity they need to price, bind, and manage cyber risk with confidence.
Security ratings say
"This company has an A- rating."
4SEEN® says
"This company has a 6.7% probability of a breach costing $2.4M in the next 12 months."
The difference
One is a posture score. The other is an insurance-grade financial prediction.
Core ML Capabilities
Six purpose-built machine learning models, each trained on real cyber insurance claims and calibrated against actual loss outcomes.
Inherent Risk Scoring
ML models that calculate a company's baseline cyber risk profile from firmographic, technographic, and exposure data, before any controls are applied.
Breach Probability Prediction
Proprietary algorithms trained on real claims to predict the likelihood of a cyber incident within 12 months, calibrated against actual insurance loss experience.
Financial Loss Estimation
Predicts modeled annual cyber loss exposure, single-event probable maximum loss, and cost ranges — built for underwriting, not just risk awareness.
Catastrophe Correlation Modeling
Maps company-level exposure to systemic risk scenarios across 50,000+ simulated catastrophic cyber events, powering portfolio-level accumulation management.
Controls Effectiveness Analysis
Quantifies the financial impact of specific security controls on expected loss — translating CISO language into underwriter language.
Portfolio Risk Optimization
Aggregates individual risk scores into portfolio-level views with concentration risk, correlation analysis, and reinsurance treaty optimization.
How 4SEEN® Works
A four-stage pipeline from raw signals to insurance-grade predictions — completed in seconds.
Data Ingestion
Collects 200+ risk signals from proprietary and third-party sources including technographic fingerprints, dark web exposure, financial indicators, and historical claims data.
Feature Engineering
Extracts and normalizes 1,000+ features using insurance-specific transformations — weighting signals by their proven correlation to actual claims outcomes.
ML Model Ensemble
Runs data through a patented ensemble of supervised and unsupervised models trained on real cyber insurance claims, continuously recalibrated against emerging loss patterns.
Insurance-Grade Output
Delivers actionable risk scores, financial metrics, and underwriting recommendations — ready for binding decisions, portfolio management, and regulatory reporting.
Protected by U.S. Patent.
4SEEN's core algorithms are patented, reflecting years of R&D at the intersection of machine learning, actuarial science, and cybersecurity. Cyberwrite holds patents covering its methods for predicting cyber insurance outcomes using ML trained on claims data — a first in the industry.
This isn't a wrapper on generic AI. It's purpose-built, insurance-native machine learning, engineered from the ground up to answer the questions underwriters actually need answered.
First-of-kind patent for ML-based cyber insurance outcome prediction
Algorithms built on proprietary breach & claims database (15+ years)
Continuously recalibrated against emerging loss patterns
Peer-reviewed methodology, designed for regulatory scrutiny
United States Patent
4SEEN® Method & System
Predicting cyber insurance outcomes using machine learning models trained on insurance claims data
Patent Type
Utility
Jurisdiction
United States
Domain
ML + Insurance
Status
Granted
The 4SEEN® Advantage
Not all cyber risk models are built for insurance. Only 4SEEN® was designed from the ground up to predict the outcomes that matter to underwriters.
| Dimension | 4SEEN® | Security Ratings | Generic AI Models |
|---|---|---|---|
| Training Data | Proprietary insurance tailored breach and incident data | 3rd party risk and vendor risk tailored data | General cyber threat data |
| Primary Output | Financial loss predictions | Letter grades / risk scores | Risk scores without insurance context |
| Actuarial Calibration | Calibrated against actual loss ratios | No actuarial validation | No insurance calibration |
| Built For | Underwriting & binding decisions | Vendor risk management | General security awareness |
| Patent Protection | U.S. patented methodology | Not applicable | Not applicable |