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Insurance & Risk Management

AI-driven insurance platform for solar assets with live monitoring, automated document review, and instant parametric payouts.

Overview

Lighthouse is a live-monitoring, AI-driven insurance platform for mid-market solar assets (1–20 MW). At its heart sits the AsobaCode MCP (Model Context Protocol) server, which coordinates a suite of specialized AI agents to automate document review, risk monitoring, and instant payouts.

Business Problem

Solar operators endure costly downtime and slow claim settlements when equipment fails. Traditional insurance approaches create significant challenges:

Traditional Insurance Limitations

How the System Works

1. MCP Intake & Document Review

Automated Document Processing:

flowchart TD
    A[Document Upload] --> B[Lighthouse Portal]
    B --> C[AI Document Classification]
    C --> D[Policy Clause Extraction]
    D --> E[Data Sufficiency Analysis]
    E --> F[Completeness Validation]
    F --> G{Missing Data?}
    G -->|Yes| H[Automated Alerts]
    G -->|No| I[Context Model Creation]
    H --> I
    
    subgraph "Document Types"
        J[Engineering Drawings]
        K[Warranty Documents]
        L[O&M Logs]
        M[Policy Documents]
    end
    
    J --> A
    K --> A
    L --> A
    M --> A

Key Features:

2. Agent-Driven Workflow Orchestration

Context Model Publishing:

flowchart TD
    A[MCP Context Model] --> B[Portfolio Data]
    A --> C[Policy Terms]
    A --> D[Risk Parameters]
    
    B --> E[Forecasting Agent]
    C --> F[Compliance Agent]
    D --> G[Parametric Agent]
    
    E --> H[Performance Models]
    F --> I[Regulatory Tags]
    G --> J[Trigger Thresholds]
    
    H --> K[Context Updates]
    I --> K
    J --> K
    
    K --> L[Agent Coordination]
    
    subgraph "AI Agent Ecosystem"
        E
        F
        G
    end

Specialized AI Agents:

Forecasting Agents

flowchart LR
    A[Raw Data] --> B[Fill Missing Blocks]
    B --> C[Aggregate to Hourly]
    C --> D[Weather Normalization]
    D --> E[Train Forecaster]
    E --> F[P50/P90 Curves]
    
    subgraph "Ona Power Tools"
        B
        C
        D
        E
    end

Compliance Agents

flowchart TD
    A[Policy Documents] --> B[Regulatory Tagging]
    B --> C[Compliance Requirements]
    C --> D[Audit Scheduling]
    D --> E[Compliance Monitoring]
    
    E --> F[Audit Trail]
    E --> G[Regulatory Updates]

Parametric Trigger Agents

flowchart LR
    A[Contract Analysis] --> B[Threshold Extraction]
    B --> C[Trigger Registration]
    C --> D[Real-time Monitoring]
    D --> E[Trigger Evaluation]
    E --> F[Claims Processing]

3. Continuous OODA Loop

flowchart TD
    A[🔍 Observe] --> B[SCADA Data]
    A --> C[Weather Feeds]
    A --> D[Telemetry Stream]
    
    B --> E[🎯 Orient]
    C --> E
    D --> E
    
    E --> F[Forecast Deviations]
    F --> G[🧠 Decide]
    
    G --> H[Risk Recalculation]
    G --> I[Premium Adjustment]
    
    H --> J[⚡ Act]
    I --> J
    
    J --> K[Alert O&M Teams]
    J --> L[Process Claims]
    J --> M[Evidence Assembly]
    
    M --> N[Instant Payouts]
    
    N --> A
    
    subgraph "Data Sources"
        B
        C
        D
    end
    
    subgraph "Actions"
        K
        L
        M
        N
    end

🔍 Observe Phase

🎯 Orient Phase

🧠 Decide Phase

⚡ Act Phase

4. Instant Parametric Payouts

Automated Claims Processing:

flowchart TD
    A[Parametric Trigger] --> B{Trigger Condition Met?}
    B -->|Yes| C[Evidence Compilation]
    B -->|No| D[Continue Monitoring]
    
    C --> E[Sensor Logs]
    C --> F[Weather Data]
    C --> G[Warranty Scans]
    
    E --> H[Evidence Bundle]
    F --> H
    G --> H
    
    H --> I[Secure S3 Storage]
    I --> J[Payout Processing]
    J --> K[Instant Transfer]
    
    K --> L[Claim Documentation]
    L --> M[Audit Trail]
    
    subgraph "Trigger Conditions"
        N[Irradiance Drop > 20%]
        O[Duration > 4 Hours]
        P[Equipment Failure]
    end
    
    N --> A
    O --> A
    P --> A
    
    subgraph "Evidence Types"
        E
        F
        G
    end

Business Impact & ROI

Financial Benefits

Operational Benefits

Key Features

Automated Document Review

Real-Time Risk Monitoring

Instant Claims Processing

Compliance & Audit Support

Integration Capabilities

Data Sources

AI Agent Ecosystem

Ona Power Tools Integration

flowchart LR
    A[Raw Telemetry] --> B[Fill Missing Blocks]
    B --> C[Aggregate to Hourly]
    C --> D[Weather Normalization]
    D --> E[Train Forecaster]
    E --> F[Performance Models]
    
    subgraph "Ona Power Tools"
        B
        C
        D
        E
    end
    
    F --> G[Risk Assessment]
    F --> H[Premium Calculation]
    F --> I[Claims Processing]

Use Case Scenarios

Scenario A: Equipment Failure Response

Challenge: Inverter failure detected during peak production hours.

Lighthouse Solution:

  1. Instant Detection: Parametric trigger fires immediately
  2. Evidence Compilation: Sensor logs, weather data, warranty docs assembled
  3. Automatic Payout: $50,000 payout processed within minutes
  4. O&M Notification: Alert sent to maintenance team

Business Impact:

Scenario B: Performance Degradation Monitoring

Challenge: Gradual performance decline affecting revenue.

Lighthouse Solution:

  1. Continuous Monitoring: Real-time performance tracking
  2. Deviation Detection: Forecast vs. actual analysis
  3. Risk Recalculation: Dynamic premium adjustments
  4. Proactive Alerts: Early warning to O&M teams

Business Impact:

Scenario C: Regulatory Compliance

Challenge: Complex regulatory requirements for solar assets.

Lighthouse Solution:

  1. Automated Tagging: Regulatory requirements identified
  2. Audit Scheduling: Compliance audits automatically scheduled
  3. Documentation Management: Comprehensive audit trail
  4. Compliance Monitoring: Continuous regulatory adherence

Business Impact:

Getting Started

Prerequisites

Implementation Steps

  1. Document Upload: Upload data room contents to Lighthouse portal
  2. AI Processing: Automated document review and classification
  3. Context Modeling: Portfolio and policy context creation
  4. Agent Deployment: Specialized AI agents activated
  5. Live Monitoring: Continuous OODA loop operation
  6. Claims Processing: Parametric triggers and instant payouts

Support & Resources

Documentation

Community

Support

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