Insurance & Capacity
Underwriting‑grade evidence. Deterministic determinations. Defensible records.
Halo‑IQ is built for the mismatch between continuous cyber risk and point‑in‑time underwriting. We bind determinations to evidence snapshots and versioned logic so decisions are explainable, reproducible, and audit‑ready — including in partner review and claims scenarios.
What Halo‑IQ provides
- Evidence inventory + lifecycle: freshness, coverage, and quality signals.
- Normalisation: tool‑agnostic evidence mapped into a consistent model.
- TrueState™ posture: derived from evidence, not declarations.
- Deterministic rules: versioned logic and consistent outcomes.
- Actions required: tied to specific evidence gaps and control failures.
- Audit pack export: what Halo knew, what Halo decided, and why — at that point in time.
Why this matters to capacity
- Reduces declaration risk: decisions are grounded in operational evidence.
- Improves consistency: the same evidence + the same rules version yields the same outcome.
- Enables defensible review: partners can inspect the decision record, not just the headline.
- Supports continuous protectability: not annual snapshots that drift immediately after bind.
Decision record (the unit of defensibility)
Every meaningful determination is recorded with the evidence snapshot, the rules version used, the outcome, and the actions required. This is designed to answer three questions reliably: what did Halo know, what did Halo decide, and why did Halo decide it?