Risk Management: Contractual and Financial Risk

The platform serves as an intelligent assistant for the Risk Manager/Analyst, ensuring proactive liability, asset protection, and sound financial decision-making, with a focus on mitigating third-party liability.

Drafting Insurance Clauses

Core Use Case: Creating robust insurance clauses for various instruments (e.g., grants, construction contracts, leases, permits, bonds).

PublicRisk.ai Functionality: STORM Document Generation & AI Models assist in drafting custom insurance provisions that align with state law and current best practices. Select a contract type and instantly assist in contract formation.

Insurance Requirements Compliance

Core Use Case: Reviewing vendor-submitted Certificates of Insurance (COIs) against required levels.

PublicRisk.ai Functionality: Intelligent Document Intelligence automatically extracts key insurance metrics (coverage type, limits, expiration dates) from COIs and flags discrepancies against required clauses.

Financial & Asset Risk Mapping

Core Use Case: Determining financial exposure for county or municipal assets against hazards.

PublicRisk.ai Functionality: Hazus Geospatial Risk & Modeling uses combined hazard data to determine the precise financial risk exposure of assets against specific natural hazard scenarios, informing insurance purchasing and mitigation budgets.

// Example: Assess property risk for municipal building
const response = await fetch(
  'https://publicrisk--publicrisk-hazard-service-*.modal.run/assess-property' +
  '?lat=34.0522&lng=-118.2437&property_value=5000000&year_built=1985'
);
const riskData = await response.json();
console.log('Overall Risk Score:', riskData.overall_risk_score);
console.log('Annual Expected Loss:', riskData.annual_expected_loss);

Policy Analysis & Coverage

Core Use Case: Verifying coverage details for complex claims or renewals.

PublicRisk.ai Functionality: The RAG feature ingests multi-hundred-page policies, allowing the Risk Manager to ask natural language questions (e.g., "Does the policy cover cyber BI?") and receive cited, accurate answers grounded in the policy document text.

County/Municipal Attorney's Office: Compliance and Policy Review

The platform acts as an intelligent legal research tool, streamlining the critical process of drafting protective language and enforcing compliance across all types of legal instruments.

Drafting Indemnification Clauses

Core Use Case: Creating robust indemnity and insurance clauses for various instruments (e.g., grants, construction contracts, leases, permits, bonds).

PublicRisk.ai Functionality: STORM Document Generation & AI Models assist in drafting custom indemnity and hold-harmless provisions that align with state law and current best practices. Select a contract type and instantly generate a risk-mitigating clause, accelerating contract formation.

Contractual Compliance Enforcement

Core Use Case: Ensuring all contracts adhere to mandated risk transfer standards.

PublicRisk.ai Functionality: Intelligent Document Intelligence scans drafts of all agreements (purchase agreements, memoranda of understanding) to verify that required insurance and indemnification language is correctly incorporated and hasn't been modified outside of approved templates.

Policy & Procedure Review

Core Use Case: Reviewing internal policies for legal consistency and risk exposure.

PublicRisk.ai Functionality: Intelligent Document Intelligence (RAG) quickly searches and cross-references documents to find specific clauses related to liability, subrogation, or litigation risks, providing cited, accurate answers quickly.

IT Department / CISO: Cyber Functionality and Asset Management

The platform supports cyber defense by linking policy compliance (documents) with operational data (assets) and security standards, offering powerful vulnerability management tools.

Critical Vulnerability Prioritization (KEV)

Core Use Case: Prioritizing remediation for actively exploited threats.

PublicRisk.ai Functionality: The tool ingests information from the CISA Known Exploited Vulnerabilities (KEV) catalog and correlates it with your internal asset inventory (from tools like osquery). It flags assets impacted by KEV vulnerabilities that violate internal security policies, providing a prioritized, risk-weighted action list.

// Example: Query KEV vulnerabilities
const response = await fetch(
  'https://publicrisk--publicrisk-consolidated-backend-serve.modal.run/api/cyber/kev'
);
const kevData = await response.json();

Endpoint Security & Asset Compliance

Core Use Case: Managing an osquery fleet across thousands of endpoints.

PublicRisk.ai Functionality: Intelligent Document Intelligence integrates with operational logs to correlate compliance documentation (e.g., warranty/service agreements) with real-time security data flagged by osquery, linking technical status to contractual risk.

Cyber Incident Document Response

Core Use Case: Quickly determining regulatory reporting requirements following a data breach.

PublicRisk.ai Functionality: The RAG system instantly cross-references breach details against federal and state regulations (e.g., HIPAA) and vendor contracts, generating an aggregated, cited report on all necessary notification timelines.

Education Sector: K-12 Schools and Higher Education

The platform helps manage the sector's unique liability, safety, and compliance challenges by making policies and regulatory documents instantly searchable and actionable.

Student Data & FERPA

Professional User: District IT Director / University CISO

PublicRisk.ai Functionality: The tool ingests FERPA and state privacy laws to verify that data access policies across vendors align with regulatory requirements, significantly reducing the risk of data privacy breaches.

Special Education (SPED) Compliance

Professional User: Special Education Director

PublicRisk.ai Functionality: STORM Document Generation automates the creation of complex, legally compliant Individualized Education Programs (IEPs) by referencing relevant laws and existing student data within the document library.

Student Safety & Abuse

Professional User: Risk Manager / District Counsel

PublicRisk.ai Functionality: RAG & AI Models analyze historical incidents to automatically flag high-risk patterns related to sexual abuse and molestation or bullying that require legal intervention.

Research & Grant Compliance

Professional User: VP of Research / Grant Administrator

PublicRisk.ai Functionality: The RAG system analyzes thousands of grant documents (NSF, NIH) to verify compliance with stipulations regarding data use, IP ownership, and conflict-of-interest disclosures for all active research projects.

School Violence

Professional User: School Safety Coordinator

PublicRisk.ai Functionality: The platform combines Hazus data with campus blueprints to facilitate the rapid drafting and dissemination of site-specific crisis response plans for school shooter incidents, leveraging existing physical asset data.

Emergency Management (OEM)

Pre-Disaster Scenario Planning & Loss Estimation

Core Use Case: Preparing for a major hazard event (e.g., hurricane or earthquake).

PublicRisk.ai Functionality: Next-Generation Modeling & Hazus run advanced simulations to model the impact on critical facilities. The platform estimates building damages and economic losses before the event for resource pre-positioning.

// Example: Get combined hazard assessment
const response = await fetch(
  'https://publicrisk--publicrisk-hazard-service-*.modal.run/realtime-all' +
  '?lat=29.7604&lng=-95.3698' // Houston, TX
);
const hazards = await response.json();
console.log('Flood Risk:', hazards.flood);
console.log('Hurricane Wind:', hazards.hurricane);

Hazard Mitigation Grant Reporting

Core Use Case: Applying for federal funds to mitigate future risk.

PublicRisk.ai Functionality: STORM Document Generation & AI Models automatically draft complex risk assessment sections required for federal grant applications by summarizing loss estimates and scientific justifications, accelerating fund acquisition.

Public Works / Engineering

Vulnerability & Resilience Assessment

Core Use Case: Evaluating the structural performance of key infrastructure.

PublicRisk.ai Functionality: Performance-Based Engineering & Modeling models the structural performance of bridges or water treatment plants under specific hazard events. This guides targeted retrofitting projects based on engineering data.

Predictive Maintenance

Core Use Case: Prioritizing upgrades for utility infrastructure.

PublicRisk.ai Functionality: AI Models & Geospatial Data analyze work orders and Hazus maps to predict which segments of infrastructure (e.g., water pipes) are most likely to fail during a disaster, helping to shift maintenance to risk-prioritized upgrades.

Fire Department (Wildfire / CUPA)

Wildfire Consequence Analysis

Core Use Case: Planning mitigation zones and evacuation routes.

PublicRisk.ai Functionality: Next-Generation Modeling (Multi-Hazard) models the spread of a major fire combined with Hazus data to predict the number of structures and critical lifelines that would be damaged, informing strategic planning.

// Example: Get wildfire risk assessment
const response = await fetch(
  'https://publicrisk--publicrisk-hazard-service-*.modal.run/wildfire-risk' +
  '?lat=34.0522&lng=-118.2437' // Los Angeles
);
const wildfireData = await response.json();
console.log('Fire Danger Rating:', wildfireData.fire_danger_rating);
console.log('Active Fire Distance:', wildfireData.nearest_active_fire_km);

Regulatory Document Intelligence (CUPA)

Core Use Case: Managing hazardous materials and compliance plans.

PublicRisk.ai Functionality: Intelligent Document Intelligence (RAG) automatically scans and analyzes facility-submitted Risk Management Plans (RMPs), quickly extracting complex chemical quantities and proximity to vulnerable populations, flagging compliance anomalies faster than manual review.

Public Utilities (Water, Electric, Gas)

Supply Chain & Operational Disruption Modeling

Core Use Case: Planning for multi-system outages.

PublicRisk.ai Functionality: Advanced Workflow Integration & Simulation models the cascading failure effects of a natural disaster (e.g., loss of power at a treatment plant). The platform simulates the resulting impact on service availability, supporting resilient backup planning.

Compliance Officer

Core Use Case: Managing regulatory documentation.

PublicRisk.ai Functionality: Enterprise-Grade Security & Document Generation utilizes the secure architecture and document automation to manage and generate documentation for state and federal regulators (like the EPA or PUC), ensuring data integrity.