What it is

Sound underwriting requires sound data. LEMMA (Litigation Evidence and Market Monitoring Analytics) is Axiom's proprietary litigation intelligence engine — a structured, continuously updated database of AI-related legal actions, verdict outcomes, settlement patterns, and regulatory enforcement actions drawn from jurisdictions across the United States and beyond. It is the empirical foundation on which every Axiom product is built.

Why we build it

The central challenge in insuring AI risk is the absence of historical loss data. Actuaries need frequency and severity distributions. Underwriters need claims precedent. Policy designers need to understand which failure modes generate which categories of harm. LEMMA exists to answer those questions with evidence rather than assumption.

What it contains

Every case in LEMMA is classified by AI failure type, industry vertical, legal theory, coverage line implicated, and outcome. Patterns across the database inform Axiom's loss models, underwriting manual, pricing framework, and policy language — ensuring that every coverage decision is grounded in how courts and regulators have actually treated AI-related harm, not how we expect them to.

How it is used

LEMMA feeds directly into Axiom's risk scoring methodology, actuarial pricing models, and governance assessment framework. When a professional services firm purchases an Axiom policy, the premium they pay reflects real litigation history in their industry and use case — not generic estimates.

Who Benefits

Beyond powering Axiom's own products, LEMMA is available to carriers, reinsurers, and brokers seeking data-driven insight into the AI liability landscape. For carriers building or refining their own AI risk programs, access to LEMMA represents the difference between entering a new market informed and entering it blind.